vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XX/XX/2022, I met with an Accredited Financial Counselor with the XXXX  of the XXXX at XXXX XXXX XXXX. I saw her for assistance with my security clearance as I had delinquent debt. During this session we determined how much I could reasonably afford to repay on my delinquent accounts. I called one of the creditors, TD Auto Finance. My counselor was on the call. I spoke with XXXX @ XXXX @ XXXX. He informed me that no one except myself could remain on the call. I continued with other creditors and called TD Auto Finance back at XXXX. I reached XXXX XXXX XXXX (? ). I explained the reason for my call. She stated that my loan was {$12000.00} at an interest rate of 7 %. I immediately asked her to lower it due to the SCRA rate of 6 %. She stated she never heard of this and would not reduce my interest. I asked again for her to lower it and she said she would ask her supervisor. Again, she returned to the call stating she could not reduce the interest. I continued to try to negotiate a possible settlement with payments. She kept referring to a payment that was impossible for my family to afford. I told her that I could only afford {$170.00} at this time. She stated that was not enough and said she would not set me up on a payment plan for that amount. When I explained to her that I could not afford payments over {$600.00} she offered a settlement of {$6400.00} that I could not afford to pay. I asked her for the payment address, and she did provide it however, she told me that I should not send in payments of {$170.00} because that was not acceptable. She outright refused to take my {$170.00} payment. 
After my call ended with TD Auto Finance, my counselor suggested I file this complaint and for my wife to send in payment every single month until this complaint is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I have a Farmer 's Rewards Visa administered by Comenity Bank that I earn 3 % for XXXX XXXX charges. In XXXX, XXXX, they sent a letter saying the program was being discontinued as of XX/XX/XXXX and that I would have until XX/XX/XXXX to redeem the rewards. I made my final transaction on XX/XX/XXXX for {$380.00} which should have produced {$11.00} in rewards. Their website says that transaction earned XXXX rewards even though it was made before the end of the rewards program. I have tried to contact them numerous times, and up until a week or so ago, their answer was " Our systems are being updated ... be patient ''. Now, when I try to call, they say my account is closed. I understand the program was discontinued, but that does not mean they should close my card and ignore my rewards ( in addition to the {$11.00} I should have earned on XX/XX/XXXX, I have a previous rewards balance of {$35.00} ). 

I submitted a complaint to the XXXX XXXX XXXX and Comenity responded with a letter ( attached below ) that did not address my concerns but simply said to call the number on the back of my card. As I mentioned before, when I call that number, the system just hangs up when I put in my credit card number because it says it's a closed account. 

The XXXX XXXX XXXX said the business sent a letter and had satisfied the complaint ( they really didn't ). Please help me to recover the rewards I rightfully earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08 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: CA

Complaint narrative:
Recently my consumer credit report has been reported improper. These consumer agencies XXXX, Equifax and XXXX are been report my wrongly and there are unnecessary and unfamiliar hard and soft inquiries in my credit record, most especially XXXX. These unrecognized inquiries has hurt my credit scores and records badly, for instance the hard inquiries like follow XXXX XXXX a mortgage company, address XXXX XXXX XXXX # XXXX, XXXX. Date of inquiries, XX/XX/XXXX XXXX XXXX XXXX, Mortgage Reporters, address XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries, XXXX XXXX, XXXX, XXXX XXXX XXXX, Property And Property Management Companies, address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Date of inquiries XX/XX/XXXX, and XXXX XXXX, ( {$110.00} ) a collection department on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Date XX/XX/XXXX. This debt has been paid. 
In addition, The activities on my credit are not been updated frequently, for instance transactions of 2-3 weeks ago not been updated yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
XX/XX/XXXX I sent {$3000.00} through XXXX also I paid for the service, its been more than 1 week since this happened and we dont know where the money is at. The company says the bank has it but the bank said XXXX has it so basically we dont even know where the money is, I have been trying to get a refund from XXXX its been a nightmare this whole process. Also XXXX ask me for my SSI twice, which is unusual and suspicious because nobody should ask you for you SSI. XXXX XXXX ask me for information that the bank is asking for but we called to the bank and they said they are NOT asking for any information. So pretty much I dont know who has the money and I want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: MD

Complaint narrative:
======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and 17 fraud inquiries from trans union 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 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.

Transcript Follow along using the transcript.

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 2022-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I been having trouble lately with the payments I asked could they please service the loan make payments lower or more time and I been misinformed but they only have me at fault for the matter I made a payment of {$520.00} and i spoke to executive and they have different explanations of why this occurred it was repossessed the next morning after I sent this payment they leave me with no option they say but to pay the XXXX the retrieve my car this is unfair to do this to anybody trying to work thru these times I'm hard working man who is being mistreated I applore u to please but a stop to this aggressive behavior yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV funding has illegally reported an alleged debt to my consumer profile. They sent notices which I responded within the proper 30-day windo requesting them to send back to the original creditor due to numerous debt collection agencies seeking on this alleged debt. Instead, LVNV reported the debt anyways to the credit reporting agencies. Immediate removal of all reporting to the credit reporting agencies as the debt was not sent back to the original including responding to the alleged debt in the 30-day window which you do not legally have the right to report anything on my consumer profile. These are both FCRA 623 ( a ) violations and FDCPA Violations if you continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I did a 0 % balance transfer on XX/XX/2022. Since that date, I have paid more on the card than I have spent, yet I have been charged interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$49.00} in purchases and paid {$500.00} towards my balance and was charged {$.00} in interest. 
For my XXXX XXXX XXXX XX/XX/2022 statement, I had {$200.00} in purchases, paid {$200.00}, and was charged {$1.00} in interest. 
For my XXXX XXXX XX/XX/2022 statement, I had {$52.00} in purchases, paid {$650.00}, and was charged {$1.00} in interest I tried to get Chase to correct the interest rate charges but the company couldnt do that. I was told that the company decided how much of a payment to allocate towards my 0 % interest rate balance transfer and how much to allocate towards my purchases any given month. Because my purchases are fairly small on this card and I pay off a good bit each month- usually more than the purchases amount for the month- I should be accruing little to no interest. Yet, Chase has assessed interest on the purchases I have made. I have closed my account with Chase but fee that this is deceptive - people with larger balances and purchase amounts will think they are paying off the higher interest rate balance, but they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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 a victim of identity theft. Experian, XXXX, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS

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 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  accounts 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. 
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.

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 2022-11-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX accounts 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. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been a XXXX XXXX customer for about XXXX years, and have consistently paid my account in full each month. I had accumulated XXXX unused rewards points. Two months ago I discovered Barclays had revoked all of my accumulated points, which had a redemption value near {$15000.00}. No reason was given for the seizure of the points other than my account was revoked. The only reason for given for the account being revoked is a statement Nature of business does not align with revised Bank risk tolerance. However, this explanation makes no sense as this has always been a personal, not a commercial account. I have attempted to resolve the matter in good faith using the available channels of replying to the address on the revocation letter, and speaking directly with customer service. I have been told verbally that it is impossible to restore rewards points after they have been revoked. This is obviously untrue. Further, I was told that I must accept the situation and continue to make payments. This situation is unfair, abusive and simply intolerable. 

For the Barclays representative reading this complaint, I want my rewards restored, or their equivalent cash value paid to me. Until this is done, I will not be making any further payment to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is reporting a charge off on my credit that is not accurate and can not be verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. XXXX, Transunion, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS

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 2022-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX, Equifax and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
This company is in clear violation as per described in 15 U.S. Code 1666b - Timing of payments, As well they're furnishing non-public information to third parties, which it's a clear violation of the 15 U.S. Code 6802.

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I authorized a wire transfer from Wells Fargo in the amount {$200000.00} to XXXX XXXX, c/o XXXXXXXX XXXX XXXX XXXX XXXX said there was an investigation and Wells Fargo issued a recall for the funds. XXXX still has the money. I have been trying to get my money back since the end of XXXX. Wells Fargo sent XXXX MESSAGES on XXXX, XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX  was able to locate the information and according to XXXX  they responded to Wells Fargo XXXX XXXX Message XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX. They have NOT received a response from Wells Fargo. Original Claim Number : XXXX - XXXX received a letter from Wells Fargo dated XX/XX/XXXX, stating the inquiry was closed due to no response from XXXX XXXX. Wells Fargo needs to locate those Swift Messages from XXXX and respond accordingly, immediately please. I have been Wells Fargo for over 35 years and would think situations like this would be handled efficiently. The new case number I received from Wells Fargo is XXXX. However, when I call in no one can find it. I even sent a letter to corporate in XXXX. NO RESPONSE. I have been trying to get my {$200000.00} back since the end of XXXX. And, to find out Wells Fargo received a response from XXXX on XX/XX/XXXX is quite upsetting. My husband is in an XXXX XXXX facility and I support both of us. I really need help getting MY money returned. My understanding is that a, " Hold Harmless Agreement '' needs to be executed. 
Thanks, 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 2022-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I have never received any bills for this Electric Service. I noticed this on my credit report last year and disputed it asking for proof of this debt being mine. I never received anything and the debt disappeared from my credit report. Last month i started receiving paper mail and very aggressive phone calls from a collection agency called Convergent Outsourcing, Inc about this debt. I have asked them multiple times to provide me with proof of this debt and they just hang up on me after I refuse to provide them with my social security number. I contacted XXXX XXXX XXXX and provided them with the account number finally provided to me by XXXX. XXXX XXXX is telling me someone set up electric service at an address of XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/2020. I have never lived in Texas in my entire life and have lived in North Carolina for over 30 years. XXXX XXXX is telling me I need to file this report with you due to someone having used my social security number to set this account up with them in order for me to have this debt taken off.

Company response to consumer: Closed with explanation