vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. 
When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). 
Apple Card accepted this companies generic website pages as proof of purchase. 
I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. 
They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. 
Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. 
I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! 
This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. 
I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Back in 2019, XXXX allowed someone to establish an account for their services using my SS # despite the fact that my credit was locked with all three credit bureaus. I received a notice from a debt collector and after many frustrating months of poor communication and service from XXXX, we believed we had the issue resolved. Now, today I received a notice from a new debt collector about this exact same situation. XXXX, so far, has been completely unresponsive. I am beyond frustrated. Ironically, I have an account with them and have for the past XXXX years. They are totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Hello. 

I am writing to inform the CFPB about a potential violation and deceptive business practices at TD Bank who is the servicing institution for XXXX XXXX. 

Scope of the complaint : I have held an account with TD BankXXXX XXXX for over 5 years. On XX/XX/XXXX, I made a payment in the amount of {$1000.00} from my Checking account. TD Bank received the payment and posted it on the account on XX/XX/XXXX ( see attachment 1 ). In a phone conversation with TD Bank/XXXX  XXXX on XX/XX/XXXX, I was advised by customer service of the following ; 1. TD Bank/XXXX XXXX received the payment in the amount of {$1000.00} on XX/XX/XXXX 2. Subsequently, TD BankXXXX XXXX XXXX XXXX hold on the funds and categorized it as a ( Pending : Memo Post Debit {$1000.00} ) for a period of 15 business days. I was further advised on 2 separate phone calls, as to the payment posting dates of XX/XX/XXXX & XX/XX/XXXX. 
3. I was advised by TD BankXXXX XXXX customer service representative XXXX that though the payment was indeed received and applied to the account, however, it is the policy of TD Bank/XXXX  XXXX and is listed in their Terms & Conditions as listed on Online Banking, any payments over {$500.00} is subject to a hold, and it is a blanket policy not based on any risk based segmentation. In review of the Terms & Condition ( Please see 2nd attachment ). Nowhere in the terms & conditions, does TD BankXXXX XXXX disclose this hold policy. The terms & conditions as displayed on the Online Banking portal, states the policy was last updated in XXXX. 
4. This is potential of UDAAP Violation and deceptive business practices. In my case, the outstanding balance was on a promotional offer, hence no interest is charged. 
5. In the event a customer does not have a deferred payment option, and maintains a high balance. Any payment greater than {$500.00} will not be given credit, and TB BankXXXX XXXX continues to charge interest on a per diem basis, resulting in an unjust enrichment for TD Bank/XXXX  XXXX and collecting additional inter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been dealing with Capital One for over a decade. For the most part, the experience has been " par ''. I had used Capital One products as I was supposed to, and other than my XXXX bankruptcy, I was a pretty good customer. Anymore, when I attempt to apply for a Capital One product, I keep getting this message saying " based on the information provided, we have observed activity on a previous Capital One account that doesn't meet our expectations '', and my credit never gets pulled. I do not understand why. I have not done anything wrong. I believe that I am worthy of a fair chance to apply, yet their system has blocked me without any reason or letter prior to this " block ''. It is disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 l deposited a check into my savings account at a Chase bank the amount was for {$6600.00} it was a settlement of a lawsuit the check was held until XX/XX/2022, the bank admitted to me yesterday they have the funds but my account remains restricted, l 'm supposed to get my pay which is direct deposited in my savings account and my social security check which goes into my checking account but the bank won't let me access my account my pay and my social security money have nothing to do with the lawsuit check, this situation is causing me great hardship, can you help me access my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NJ

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 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 

XXXX - ACCOUNT NUMBER- 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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi my XXXX loans are up to date and they are showing delinquent. Please see attached.

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 2022-08-09 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: FL

Complaint narrative:
Hi my XXXX loans are up to date and they are showing delinquent. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi my XXXX loans are up to date and they are showing delinquent. Please see attached.

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 2022-08-09 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: FL

Complaint narrative:
Explained to Equifax through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither Equifax nor XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX which all identify as charge-off accounts. Equifax was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. Equifax has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I never received a bill for the medical service until almost two years later. I contacted XXXX XXXX XXXX XXXX and they said that my insurance company never responded when they sent the bill. I contacted my insurance company and they said they never received any information on the bill. I contacted the medical facility again and they admitted they sent the information to the wrong address. They sent the information to the correct address but my insurance company denied the claim because it had been too long since the date of service. I called the medical facility again and they said they would write off the bill since it was their fault. However, I just received a collection notice from United Collection Bureau , Inc. for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
My real estate broker XXXX XXXX told me to find another lender since XXXX XXXX XXXX was going through changes ( e.g. layoffs ) and was too short staffed to complete the mortgage process. So I called New American Funding and was connected to a XXXX XXXX. I told her I wanted to apply for a VA loan and asked her about credit scores and informed her that I have been dealing with a lot of issues surround identity theft and my scores are not the best. She told me she could look at my documentation and see if I qualified before pulling credit. I sent her over my documents and I didn't receive a response which put me on high alert. When I called XXXX XXXX was denying that she was able to view any of the 68 Attachments, then said she was able to view 6 then mentioned the credit card attachments which tells me she was able to view the attachments. When I questioned her inability to review the attachments she hung up on me. I called back and told her hanging up was suspicious in itself and unprofessional and I would contact her management and she hung up again. See below. 

From : United States Veteran XXXX Date : Tue, XX/XX/2022 at XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX ) To : XXXX Good Morning XXXX XXXX XXXX XXXX Your loan officer XXXX XXXX received 72 attachments went through the attachments and did not call me back. I just found out {$2000.00} was stolen out of my business account yesterday by a scammer using fake identification on the other side of the country in Georgia. My name, SSN, DOB was sold to the dark web. I am a victim of identity theft and so I am on high alert when if comes to anyone who has my personal information. What I find suspicious is during the conversation, XXXX XXXX said she tried to access 6 of the 72 attachments and was not able to view all of them, then mentioned credit cards - however she claimed she only could view the first six attachments and I didn't mention anything about credit cards. In our initial conversation, I asked XXXX XXXX to review the XXXX XXXX report, and attachments and tell me if she could move forward before I would remove the freeze and have her pull another credit report. When I questioned XXXX XXXX regarding the attachments and how I was suspicious that she wasn't able to review anything- she hung up on me. I then called her back and told her I am a victim of identity theft and the fact that she received my documents but didn't respond was suspicious to me and I told her hanging up on me was not ok. XXXX XXXX had an attitude, with a New York accent ; and stated she is in your North Carolina branch. I would like this looked into and all of my files removed from XXXX XXXX 's computer. Thank you. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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:
XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-08-09 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: TX

Complaint narrative:
XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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:
XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-08-09 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: TN

Complaint narrative:
In accordance with the Fair Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-08-09 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: TN

Complaint narrative:
In accordance with the Fair Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
After having some expensive car trouble, I put a large amount of money on my Barclays Delaware Credit Card. On XX/XX/XXXX, I noticed that Barclays Bank Delaware added a remark to my account, with no information. I called and spoke to a representative regarding the remark, as it dropped my credit score by XXXX points! They said there was no record of a remark on my account and I have never missed a payment, and that they never added a remark to my account. I was very frustrated because there was very clearly a remark on my credit report added by them and they said they had NO knowledge of it. I asked them to escalate the issue to investigations department and after a few hours, I got the same response. Barclays Delaware Bank claims they never added a remark on my account. I would like to have the remark removed and my credit score restored as I am no longer eligible for my housing with this drop.

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 2022-08-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: FL

Complaint narrative:
n 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 non-monetary relief