vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have new information to report NON-COMPLIANCE WITH THE TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( GM FINANCIAL ) may be in non-compliance with the Truth in Lending Act ( TILA ) and its implementing regulation ( Regulation Z ). 
On ( XX/XX/2020 ) consumer initiated a consumer credit transaction to obtain a ( vehicle ) for personal, family and household use. 
Upon recent review of the documents provided it has come to the consumers attention that ( GM FINANCIAL ) may be in violation of multiple provisions of TILA and Regulation Z. 
The total balance your company claims to be due is ( XXXX ) which varies from the amount of the finance charge. 
The finance charge in connection with any consumer credit transaction is the sum of all charges. It is also the cost of consumer credit in a dollar amount. 
Due to the inadvertent or accounting error consumer is requesting documentary evidence ( including but not limited to ) the following : Original consumer credit contract XXXX XXXX Assignments of all parties involved. 
Any XXXX filing and/or statements including any addendums. 
Books of account ( G.A.A.P ) related to consumer credit transaction and account ( XXXX ) Financial and corporate records Any other lawful or verifiable proof of claim money for loan originated from ( GM FINANCIAL ) business bank account or stock. 
( GM FINANCIAL ) upon receipt of this notice has 15 days to provide the requested documentary evidence and proof of claim. 
If ( GM FINANCIAL ) is unable to provide the requested documentary evidence and proof of claim I request ( GM FINANCIAL ) discharge account ( XXXX ), report account paid as agreed with no derogatory marks, remove any liens, send me my title and the XXXX. 
Furthermore, I was forced to make a cash payment ( down payment ) in a credit sale. There should be no cash in a credit sale. If ( GM FINANCIAL/XXXX XXXX XXXX ) wanted a down payment as a condition to the extension of credit it should have been included in the finance charge. 
I respectfully request a refund of my cash payment in the amount of ( {$3000.00} ) via money order or cashiers check sent to the location on file within 7 days upon receipt of this notice. 
By sending you this notice I do not waive any rights to take legal action or to demand arbitration for ( GM FINANCIALXXXX XXXX XXXX  ) past or future violations of the law. 
I pray in good faith we can resolve this matter with honesty and integrity. 
Thanks for your cooperation and compliance in advance. 
Sincerely, ( SURNAME : GIVEN NAME- ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) All NATURAL AND CONSUMER RIGHTS RESERVED. WITHOUT RECOURSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
I had a XXXX, 3rd or 4th time. My girlfriend got scared and called the ambulance. As I started snapping back from the disorientation the ambulance was pulling up and making me stand up, basically making me get into the ambulance. I said no and I didn't need it multiple times. They spoke as if I had no choice. So I took their 5 minuet ride to the XXXX. ( this was my 3rd or 4th one I knew there was nothing that the hospital could do so it was pointless to go. But they basically made me take the 5 minuet ride. didn't give me anything that I can remember because im not XXXX. So there really isn't anything to treat me for. And I never received any notice. Did not know I could dispute it. I spoke with them and they claimed " I signed for it '' with I don't remember. And they could not produce proof of my signature or anything when I called and asked. 

So basically they forced me to take a 5 minuet ride for no reason to the hospital. apparently " made me sign something '' that I do not remember at all sop I had to have been groggy and disoriented. And then failed to show me proof that I in fact signed Watever they're talking about. 

There's no way I would consciously pay XXXX for a non emergency ride to the ER for no reason. 
I was stabbed before and tried to drive myself to ER and refuse the ambulance ride .... 

Doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX is either reporting the FIRST date of delinquency wrong ... or Equifax is listing it incorrectly. after repeated attempts to correct with the companies, it still remains wrong. Even after attempts to get the companies to recognize the error, they keep telling me it is correct, when XXXX XXXX sent me record of the date of my ORIGINAL first date of delinquency. First date of delinquency was in XXXX... not XXXX. I keep getting denied new credit, and one of the factors is due to a CURRENT delinquency, this being the only current one! 
This unfairly re-ages the debt ... and keeps it on the credit report for 11 years instead of 7!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: PA

Complaint narrative:
My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report as soon as possible. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collections Practices Act Law 111-203, title X,124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: PA

Complaint narrative:
My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report as soon as possible. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collections Practices Act Law 111-203, title X,124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX : On XX/XX/22, I called CitiBank to request a line of credit/credit card. I was asked if I wanted the BestBuy logo or the CitiBank logo on my new credit card. I asked multiple times what the difference was. The agent told me there was no difference. I asked multiple times if this card could be used anywhere outside of Best Buy and was repeatedly told " yes, this is a CitiBank credit card. '' On XX/XX/22, I received the credit card. It does not say CitiBank anywhere on the card, only BestBuy. When I attempted to enter it into a phone application as a method of payment, it was not recognized. There was no XXXX logo on the front of the card. I, then, called CitiBank 's credit card customer service number and spoke with another agent. This agent informed me that I had taken out a line of credit for {$2000.00} that was only for use with Best Buy. I informed the agent that my verbal consents to the agreement, when agreeing to receiving the card, were made to agree to a standard CitiBank credit card, not an in-store only Best Buy card and that the agent who completed the agreement with me via the phone on XX/XX/22 was deceitful in telling me this was a regular credit card and that they would have this call recorded. I requested a replacement card for the card I had originally agreed to and was told by this agent that would not be possible. I then requested to speak with the management team. Once on the phone with CitiBank 's management team, I informed the female agent of the situation and requested that the credit card I verbally agreed to on a recorded line be issued to me ; I never agreed to this type of line of credit. The agent reported all I could do was close this card, which has a balance, and wait 1 week to apply for their XXXX card. Otherwise, there was nothing she could do and I am left with a line of credit that I did not agree to and she would note my complaint. The agent also stated that nothing would be done to correct this deceptive tactic and provide me the card I agreed to. This card was issued using deceptive practices, I do not need a line of credit for {$2000.00} for Best Buy, nor would I ever have agreed to these terms, and this was not the product I legally agreed to via verbal contract on a recorded line.

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 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: TN

Complaint narrative:
I got a copy of my credit report and I saw several accounts that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Elevate Reco

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act, XXXX Account Capital one has violated my rights on XX/XX/2019 for the amount of XXXX dollars. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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. Capital One did not take this procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
HELLO TO WHOM IT MAY CONCERN IM REACHING OUT ABOUT ENHANCED RECOVERY BETTER KNOWN AS T-MOBILE THEY KEEP CALLING MY PHONE EVERY DAY FROM DIFFERENT NUMBERS DEMANDING PAYMENTS WHEN THIS ACCOUNT WAS NEVER USED BACK IN XXXX I WAS TOLD IT WAS SOLD TO A DEBT COLLECTOR AND WAS REOPENED BACK IN XX/XX/XXXX THE DEBT COLLECTOR WAS VERY RUDE AND USED PROFANITY WITH ME I DIDNT GET HIS NAME AND THEY ALSO LEAVE VOICEMAILS WITH NO NAME SAYING THAT THEY ARE A DEBT COLLECTOR AND TO RESPOND BACK TO THE CALL OR I WILL HAVE A CHARGE FILED AGAINST ME.I ALSO WAS TOLD THAT IT WILL BE OPEN UNTIL XXXX WITCH IS INACCURATE AND THEY INSIST ON KEEP HITTING MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER THANK YOU

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 2022-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 XXXXXX/XX/XXXX 15 USC SECTION 604 SECTION2 IT STATES I HAVE RIGHTS THE RIGHT TO PRIVACY IT ALSO STATES THAT AS A CUSTOMER REPORTING AGENCY VIALATED MY RIGHTS AND CANNNOT FILE AND PLEASE DELETES OFF MY CREDIT IN A TIMELY MANNER THANK YOU

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC
State: OH

Complaint narrative:
I have wrote them 5 times tell them to stop and quit. They said they removed me. They have not. Received another call today to a family members phone trying to get in touch. they left a vm. They called a CHILDS phone. 

Stop notices/no contact sent : XXXX XXXX XX/XX/21 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 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America allowed a collection agency to debt my bank account for XXXX plus XXXX for a unknown transaction Bank levy that I have no knowledge of and debited government funds out the account and claim they have no way of reversing the transaction. My account also the same month was hacked for XXXX they are intentionally letting this happen.

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 2022-05-05 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:
XXXX XXXX dispute letter, FTC, and Identification documents attatched. 
Pursuant to 15USC 1681i company has 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
XXXX XXXX dispute letter, FTC, and Identification documents attatched. 
Pursuant to 15USC 1681i company has 30 days to respond.

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 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPTEDXXXX Account # XXXX, has violated my rights. 

Secondly, in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPTEDXXXX Account # XXXX, has violated my rights. 

Secondly, in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td bank!!! 
I have been complaining twice about their last overdrafts fees and how I have been charged even I deposit a money via wire transfers and the said they I need to deposit cash or check instead of wire or Ach. 
The problem didnt get fixed so I opt out for overdraft protection in XXXX and I have been charged more than {$700.00} for just unreal causes that they need cash deposited instead of Ach or wire transfers which for me as a client doesnt make a sens since I m a small business and most of the funds are either transfers or Ach wire transfers not cash. 
This time they been charging me overdraft fees even they didnt pay anything at all. Just to present a payment and reverse it back they charged me 6 times unreasonable fees. This is called a robbery in a legal way, I called them and a lady told me they cant do anything about it because they give me back 5 times overdraft fees this year!!!! 
I need my money that I earned hard, and for me this a high way robbery in a legal way or what??? All Im asking here is a justice and explanation how you charge me a fees for something you didnt pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

21.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed inquiries on TransUnion and XXXX and they refuse to remove them. I have not authorized companies to run duplicate checks on my credit and have several from companies I do not know.

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