vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX on I believe XX/XX/XXXX about a debt from XX/XX/XXXX from the Cash Store. When I answered the phone I was asked if I was available and if I would be at my location to receive documents. I was transferred over and spoke with XXXX who told me that I owed for the Cash Store. We spoke for a few minutes and after I contacted the Cash Store and was told that my debt was with another Collection agency. Called the Collection agency that the Cash Store Corporate office referred me to and was unable to get anyone. On XX/XX/XXXX I received a call again from XXXX XXXX XXXXXXXX XXXX processing center and was transferred to a rep name XXXX and after going back and forth about this debt and if their collection practices of this debt was legal. I was told that the debt was {$1100.00} and that they could in fact collect that amount if the debt went into ligation. The {$1100.00} was the interest and ligation fees. XXXX wanted to settle but did not confirm the original amount. After I ended the call with her she called back from a different number and I ended the call. I contacted the Cash Store Corporate office again and I spoke to someone in the Admin office and was told that the debt was sent to XXXX XXXX XXXX years ago and the amount was incorrect. The amount was only {$190.00}. I called XXXX XXXX XXXX and the agency is now closed, you can still leave a message as they still do check messages. I called back XXXXXXXX XXXX  XXXX and this time XXXX answered, he remembered me and to make a long story short. After going back and forth about the debt, the {$1100.00}, and etc, he wanted to see if he could settle with me before they moved on to ligation process. I asked to speak with the legal team and was referred to a manager name XXXX. I let her know that I wanted to speak to the legal department and we went right back and forth about the debt and their legal practice of collecting this debt. I let XXXX know that XXXX let me know that they used to be XXXX XXXX XXXX. XXXX told me she did not know why he would say that. Again we went back and forth about the debt. I let her know, like I let the previous reps know, that I will be contacting the FTC and filing a complaint. I read XXXX the article where last year in XX/XX/XXXX CFPB sued XXXX XXXX and its affiliates for Illegal Debt Practices. She disregarded the article and said that I could email to her and wanted to talk about the debt. Basically the same as the previous reps if they can not settle it then they will have to move forward with ligation process. I ended the call. She called back and I let her know that I would be filing a complaint to protect myself and looking into legal counsel since they are moving forward with the next stage of suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : XXXX & XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023

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 2023-10-16 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: TX

Complaint narrative:
They made a deposit from my paystub on Friday and claimed it on Monday, the bank did not notify me of the transaction, and I let them take the money out without my consent.

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 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
On the evening of XX/XX/XXXX, I received an " Auto Debit Payment Reminder '' email from MOHELA stating that my student loan payment would be withdrawn on XX/XX/XXXX. However, I had not received a bill from MOHELA, so did not know that my due date was XX/XX/XXXX. Per email communications from both MOHELA and the XXXX Department of Education, student loan payments would be due for most borrowers in XXXX and we would receive a bill, with payment amount and due date, at least 21 days before the first payment was due. I did not, and still have not, received such a bill for the payment withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I received a billing statement for the payment due XX/XX/XXXX. 
On XX/XX/XXXX, I called MOHELA and spoke with a tier XXXX rep named XXXX, who informed me that the " Auto Debit Payment Reminder '' email I received the night before the payment was due was the same as the billing statement that I should have received at least 21 days before the due date -- basically, that I did not receive a billing statement because I was enrolled in Auto Debit. 
Nowhere on MOHELA 's website does it say that enrolling in XXXX XXXX means that you will not receive a monthly bill. Under the FAQs, " Yes, we will send a monthly reminder while you are signed up for XXXX XXXX. '' is the answer to " Will I still receive monthly statements while signed up for auto debit? '' A reminder is NOT the same as a billing statement and this answer is misleading. Furthermore, since repayments are starting again after nearly 3 years AND my loans were transferred to a new servicer in that time, I should have received a bill whether or not I was signed up for Auto Debit. I had no idea that a payment was being withdrawn until the night before, which is completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not aware of how these accounts were created or used. I never authorized the opening of these accounts. However, because of the appearance onto my credit report, my score has been decreasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Collection reporting inaccurately Dear Equifax, After reviewing my credit report I noticed an inaccurate account on my credit report. I am requesting that Equifax investigate the following account to ensure accuracy. I am requesting the collection account to be deleted from my credit report once the investigation is complete. 

XXXX XXXX  XXXX This account appears to be reporting inaccurately. 

Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Dispute this with TransUnion because the information reported on XXXX XXXX XXXX has the last payment date wrong. The last payment in this account was made on XX/XX/2019 as provided here in the picture and not in XX/XX/2019 also the charge off date should be XX/XX/2019. I brought that mistake on my dispute to TransUnion but they fail to delete the account based of this mistake contrary to other bureaus

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not authorize this on XX/XX/XXXX or XX/XX/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

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Trans union continues to report false, inaccurate, incorrect information on my consumer report and refuses to provide me with a free consumer report as allowed by federal law.

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 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I paid off my car was and its was reported by TDauto and closed account which made my credit score decrease by XXXX points!! I paid it off in full XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Secure Bank account with Chase in XXXX I graduated to a Total Checking and my account was closed with no explanation. Ive tried to reopen a new account and have been told that I can no longer bank with Chase with no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I initiated a fraud claim against my debit card which I won 95 % of only one was I declined yet the bank withdrew my ability to access my funds for some 60 days now and it's still not dispersed my money and has told me that basically they can hold it as long as they feel like it until they're ready

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.

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 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I receive periodic promotional ads on my XXXX feed for various products. There was one for XXXX XXXX Flannels to purchase a XXXX flannel baseball jersey. Original retail price of {$210.00}. I was able to save 15 % by allowing text messages from affirm. My new purchase price was {$180.00} and some change. I was offered the option of making 4 installment payments of {$45.00} and some change ; I selected this option ( keep in mind these payments would be taken from a financial institution account of my choice ). This was for 4 installment payments. Of course I was denied. I filed ch XXXX XXXX in 2000 due to the pandemic. I was off work due to being quarantined by my doctor- due to medical reasons. Was confined to my house for about a year, and could not telecommute for work-was not an option with my job at that time. I have been Making my scheduled chapter XXXX payments on time for 2 years now. I also have substantial deposits on hand. Own my home and automobiles free and clear. Making current credit card payments on time. XXXX t well above the minimum monthly payments. And yet I am denied financing {$180.00} for four payments I can easily afford. I have been approved my affirm in the past for a higher $ XXXX ( XXXX XXXX XXXX ). Made all those payments on time. Even financed over {$300.00} before with them. I have been told by affirm I have been denied for for financing before due to their credit modeling. They could give me no plausible explanation. Makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was hanging out with my girlfriend and I check my account and there where XXXX checks XXXX and XXXX and I had no clue what they where. The XXXX XXXX got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the XXXX {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after XXXX check got approved. Then I called in and reported all this and then they did nothing about there mess up.

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 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I was wrongly sue by 1st Franklin. I did not get served. I went to the court house the and got information about and I was in uniform the day of court. I tried talking to your XXXX, Mississippi agents to resolve the problem.1st Franklin have a garnishment on my check. I submitted the requested documents and then they say they will not work with me. 1st Franklin broke the XXXX XXXX XXXX. 1st Franklin went against my rights as a military.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report and noticed there are hard inquiriries that don't have permissible purpose to be there. These hard inquiries are hurting me from getting approved. I have already reached out to the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I have attached the inquiries that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I never kept the XXXX XXXX and returned all equipment in working order in the time frame allowed for a full refund. I do not owe anything on this account, it was closed within 30 days of opening with all equipment returned. This is not a valid charge or debt.

Company response to consumer: Closed with explanation