vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: GA

Complaint narrative:
There is a missing deposit on my accounr. My employer, XXXX XXXX XXXX has been depositing into this account for many years. Since XX/XX/XXXX they have deposited every 2 weeks with not an issue and several times after this missing deposit. 

On XX/XX/XXXX my employer deposited {$3300.00} which has not reached my account nor has been returned. This deposit was traced ( trace number XXXX ). 

Since then I provided Net Spend with attached to show from my employers bank the transaction yet Net Spend is saying they can not locate this deposit. 

I am at a loss that in XXXX with everything digitally tracked that this deposit can not be found or traced to see exactly where it ended up and have it returned. 

I am filing a complaint everywhere because I am at a loss as to what help can be provided to me or help to find out where this money is.

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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Today on XX/XX/2023 I received a notice from my bank USAA on my debit card fraud claim that they will not be refunding an UNAUTHORIZED, Ach withdrawl that took place on my checking account. 

On the letter USAA submitted to me, it was stated that " We received a copy of your authorization for this debit transaction ''. 

When I called USAA at XXXX XXXX to request the paperwork of the documents used to deny my claim, XXXX different REPRESENTATIVES from USAA hung up on me. 

This is the not the XXXX transaction in the past year USAA has allowed someone to take from me and not provide me with the resources/documents used to deny the accreditation. 

I switched from my former bank to USAA because I kept having my identity stolen and checking/credit cards used without my permission. 

When I first started with USAA I had no problems, but since the pandemic I have had much difficulty trying to get my stolen money refunded by them. 

I, XXXX XXXX XXXX, DID NOT AUTHORIZE THESE TRANSACTION LISTED BELOW AND NEED USAA TO ACT/CREDIT THEM NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
TitleMax is in violation of 16 CFR 433.2 for Failure to Full Disclosure of 10-point bold notice. Failure to provide right to recission forms 15 USC 1635 ( a ). And 15 USC 1632 clear and conspicuous rights to recission. I was not aware that I had a right to rescind the contract as I did not have access to the contract until after the time allowed had passed. TitleMax uses deceptive practices along with high interest rate of 160.03 % annual. Texas law 's maximum amount is 10 % annual. I was the only person to sign the contract and when I received it, it shows an additional signature. No employee signed the contract. I issued a negotiable instrument with instructions to clear the debt, I received no response, and my car was repossessed. In the interim of my vehicle being repossessed there was damaged to the front end of the vehicle. My vehicle will be sold after today 's date XX/XX/2023 by TitleMax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX  Balance {$0.00}, XXXX XXXX XXXX  Balance {$250.00}

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2023, {$950.00} dollars was sent out of my account to someone I dont know my email address and phone number was changed on the account as well I called chime immediately which they disputed the {$950.00} dollars and said they were working on getting my account back but it could take up to 3 days my card was supposed to be canceled and a new one sent to me. I had to send in my identification 4 seperate times to get my account back when I finally could log in I see that they refunded the money but the guy took it again because the lady didnt cancel my card like she was suppose to I called back they said they were sorry they would dispute the transaction again and would file a comaint against the lady who failed to cancel my card the dispute came back with no error occured and they arent giving my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
I have been dealing with Fay Servicing for about two years. The loan status is currently in default, but this is because of fraudulent action. The original creditor admitted in writing that we were current and on time on payments, but filed foreclosure on us anyway. Foreclosure mess has been ongoing for nearly 13 years in total. The current issue with Fay Servicing is that their actions now fall under harassment. We get calls almost every week from their autodialer system, and when a Fay representative gets on the phone, they are asking me why I called them, when I didn't call them. Every time I ask them questions, I get contradictory answers. Within the first two months of speaking with Fay Servicing, I had been told no less than seven different asnwers to the question of " who owns the loan ''. It keeps changing Two weeks ago, I was told that XXXX XXXX is the investor. The week before that, Fay Servicing told me the investor was XXXX XXXX XXXXXXXX, which is a trust. I have received paperwork from Fay Servicing identifying itself as the mortgagee. This issue is currently pending before a court, and within 45 days, Fay Servicing will send me completely different answers as what they just provided to the court. Fay Servicing claims multiple different amounts owed -- as much as more than {$70000.00} difference between them. Fay Servicing has informed the court near the end of XXXX that the original promissory note had been lost many years ago ... .Fay Servicing just told me in a letter from XXXX XXXX that the note was never lost. All Fay ever does is provide dishonesty. 

Fay Servicing is bound by state and federal law to provide only TRUTHFUL responses to these questions. They are literally trying to take my property and with every new lie, the rabbit hole gets deeper and deeper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: IN

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
XX/XX/2023 I submitted a dispute, asking to verify or delete portfolio account because I do not recall having this account open. Credit report states that account has been disputed after XXXX XXXX XXXX. I completely disagree with the statement because I have not received any verification of any sort stating that Debt is mine. I am not refusing to pay this debt, but I am saying that I do not recall having this debt, for that reason I demand that you provide some sort of document stating that they debt is mine. Plus, account is stating as derogatory open and in collection all at the same time this is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: IN

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit 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 2023-06-08 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: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had requested my Lien Release letter since I am planning to sell my car. I contacted them last month ( on XX/XX/XXXX or XX/XX/XXXX ) and confirmed that it will be overnight, I even received a UPS tracking number. But they just created a label and XXXX had never received the package from them. I waited more than 2 weeks and then I contacted them again last week. I have been informed by one of their Reps. that the Title Department never processed my request. So I ask that it be processed again. I didn't receive any tracking or confirmation number this time. So I call back early this week and didn't have any luck, also their customer service has no way to communicate with the Title department to query my case. So they put down my request and promised to expedite my request, upon hearing that I tried to clarify the timeframe of that expedite but the customer service person could not able to give me clear answers. So I waited and then I call back and this time, I asked for the supervisor and the supervisor confirm that it will be overnight that day or the next. I again received the XXXX tracking number yesterday ( XX/XX/XXXX ) and the status of that shipment is the same as the first time, where the shipper ( TD Auto Finance ) just created a label but XXXX has not received the package yet. It's the end of the day right now and I am pretty sure my letter has not and will not be sent. I am very frustrated at this time since I don't know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2023-06-08 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:
I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2022 2022

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. 

I have identified likely mendacious and certainly unproven compliant reported inquiries on my credit file that have no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

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 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/2023 I contacted TransUnion about a dispute on XXXX XXXX account # XXXX for {$760.00}. They responded saying that it was verified as accurate when I asked them for the proof they told me they told me they can't mail me the documents. 

As well as today I contacted them XX/XX/2023 about 12 hard inquiries on my account that I have no knowledge of haven't given any of these companies any consent to run my credit and have done no business with them the accounts are as followed.. 

XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the list of hard inquiries that I have no knowledge of nor any business with any of these companies nor gave them consent to run my credit in any way please remove these accounts from my credit report ASAP.. 

I have tried to have these removed multiple times and they refuse.

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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation
State: MN

Complaint narrative:
On XX/XX/2023 I received multiple emails stating I had opened an account with CARD, my password was changed, a verification code was sent, a card was ordered, and a card was shipped. I reached out with multiple emails and never received a response. I tried to call but I can not reach a person because my SSN and zip code do not match what they have on file. They clearly have my name and email and am concerned someone has opened an account in my name but can not get ahold of anyone at this company to find out. It has already been over a week!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: MD

Complaint narrative:
The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on these items are a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I walked in the office expecting a {$1000.00} personal loan but then was pressured into taking out a much more expensive collateral loan. It just didn't feel right. They kept insisting on taking out a more expensive loan which ended up costing me more in the end. I went from thinking I was going to get a {$1000.00} loan into being pressured into taking out a XXXX collateral loan. All of this happened in XXXX of 2020. As a result of this I fell on financial hardship and defaulted on the loan so now I'm being sued for a loan that I felt like I was forced to take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I got a letter from Wakefield and associates stating I owed a debt to XXXX XXXX, llcin the amount of {$1800.00}. I have no idea who this company is so before I agree or disagree to it I need further information as to what or who I owe this money to and for what reason do I owe it back in 2007 I filed bankrupty and since then I owe nobody nothing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX PREVIOUSLY DISPUTED NO PROOF OF INVESTIGATION OR NEGATIVE PAYMENT STATUS PROVIDED

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 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My account has recently been suspended and despite my efforts to contact customer service, they have been unable to provide any help or support to unsuspend my account. 

The customer service team have informed me that it is an automated system that decided to suspend my account and unfortunately, there is nothing they can do to reverse this decision. This has left me feeling extremely let down and unsupported by Coinbase, especially as I've done nothing wrong I have been treated poorly and left with no resolution to my account suspension.

Company response to consumer: Closed with explanation