vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
so we requested for currency change to get XXXX dollars a week before XX/XX/XXXX from our td bank. so when we went for pickup they give us XXXX XXXX dollar they took our td bank debit card for transaction so the employee of the bank gave us the money and said we all ok we count money in front of her twice and everything was good they give us receipt and we went home. so now after XXXX  months all of sudden on XX/XX/XXXX they took XXXX $ from my checking account without notify me and without giving me any reason so when i saw my XXXX $ debited from my account i called td bank right away and they give me the excuse that they didnt charge us full amount for the currency exchange which i dont even remember how much they took from my account on XX/XX/XXXX XXXX i approach the bank and tried to talk to manager the manager wasnt there so it took me two or three times to meet the manager so when i talk to manager they give us this self written by pen that they didnt charge XXXX $ they write that it supposed to be XXXX and they charge us XXXX $ i am feel like i amscamed that they just took my money from my account without no mail email or phone was recieved and they said they can do that without any notification i am not satisfied with their service because if i didnt pay them the exact amount which they took by themself from my card they usualy charge within a week how come they didnt realise they didnt charge me the full amount after XXXX months. i am not satistfy at all so i would like to get my money back i am not working hard to pay them for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. 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 explanation
Consumer complaint received 2023-03-10 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: IN

Complaint narrative:
Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. 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 2023-03-10 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX ...., XXXX XXXXXXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: NY

Complaint narrative:
I spoke with a representative and explained to them that I have 2 unauthorized inquiries I'm unaware of and I never applied for credit from this company. They told me to call the company and dispute it. I told them why would I call a company I'm unaware of and give them my information. So the representative told me to call the FTC and file a report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a victim of identity theft : TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged two past due charges even though I made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its 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 fot late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is about XXXX credit card company. 
my credit limit is XXXX To pay my rent I paid my original bill and make it XXXX again and pay twice XXXX dollar which is XXXX. 

And I got email that this company still didn't receive my payment even after 4 days and credit availability never updated. So I toggle on their protection function which they recommend me to do. And i tried to contact them 10 times through phone, message, chatbot, callback. None of them no what is going on and told me to wait for transfer and hang off. OMG.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Starting around XX/XX/22 my husband XXXX XXXX XXXX was draining our marital money out of 7 joint chase bank accounts. By the time he filed for divorce the accounts were XXXX balances, and negative balances, he recently opened a new account under our eldest and his name. Had drained XXXX into his own separate accounts at another bank : XXXX, XXXX XXXX XXXX and others. Wire transfers to his father of almost XXXX. He forged my inheritance account checks totaling XXXX. 

I have called chase bank and spoke with a private banker several times and nobody is helping me. I live in fear everyday as a single mother or XXXX boys while is a physician making XXXX a year. This is financial abuse and want charges made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am making a dispute against WELLS FARGO CARD SERVICES in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

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 2023-03-10 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: DISCOVER BANK
State: IN

Complaint narrative:
Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Discover Bank ) Making the report is NOT INCLUDED on my Consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
A Salesperson representing XXXX XXXXXXXX XXXX  solicited my home with enticements of Energy Savings, Tax Credits and Cashout for Home Improvements, etc. 
I bought into the offer. 
In XXXX of XXXX, I agreed to a loan amount of {$45000.00} which I signed via XXXX. 

Fall of XXXX the lender reniged the loan interest rates because of the rise rates ( which I understood was happening, however I agreed to pursue ) The installation happened until XX/XX/XXXX at which point the lender, XXXX, send me the loan docs to sign. 

I discovered that the Truth In Lending was GROSSLY INCORRECT. 
The Loan Amount Changed from $ XXXX to $ XXXX I did NOT sign the XXXX, contacted the lender immediately, yet they would NOT return my calls about the error. I emailed them to no avail. On XX/XX/XXXX I Signed the " Cancelation Notice '' found in the packet of docs and emailed it AND mailed ( per its instructions ) it to CANCEL. 

I followed up to check status and was given an email to do so. Today the customer service emailed me saying that it was TOO LATE. 

There are some other conversations and banters that happened with the XXXX XXXXXXXX XXXX Sales reps whereby they threatened to place a lien on my house. I am a recent widow and this company misrepresented and took advantage of a grieving widow.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/XXXX I received alerts from my credit monitoring services that Toyota Financial Services reported my loan to be delinquent to the Credit Bureaus. I contacted Toyota Financial Services and explained what has happened and they opened a dispute claim with the Credit Bureaus and resolved the issue by XX/XX/XXXX. My account is open and current since first opening in XX/XX/XXXX. Then on XX/XX/XXXX I received alerts about my Toyota Financial Services account again being falsely reported as delinquent. I called Toyota Financial services again on XX/XX/XXXX and they submitted another Dispute. My credit score keeps taking a hit, why is Toyota Fraudulently reporting false information to the Credit Bureaus? I need assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
My vehicle repossessed and I wasnt 60 days behind on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK
State: IL

Complaint narrative:
Doing my loan modification with my mortgage company Midland Morgage, I was told by countless representatives from Midland Morgage that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from Midland Morgage XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by Midland mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. 

Thanks

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 2023-03-10 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Apple Card/GS Bank USA ) Making the report is NOT INCLUDED on my Consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I sent in a letter to the Transworld Sytems to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX  & Account number ( XXXX ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX Account number : XXXX 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 2023-03-10 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:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX  XXXX & Account number ( XXXX ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX 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 2023-03-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2023-03-10 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ARVEST BANK GROUP, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I attempted to deposit a tax refund check into my checking account. I received a call from Arvest that afternoon, saying because the check was in both my wife and I 's names, and the account was just in my name, they would not be able to verify and deposit, so it was being cancelled. Understandable, so when the hold was placed on the money I deposited into an account my wife and I share with XXXX XXXX. On the XXXX while balancing our accounts, I noticed the funds from that check were verified and approved in our Arvest account. I called to alert them, and after a significant amount of time, transfers and holds, they said they would remove the funds. Today, XX/XX/XXXX, I received a letter from our other bank, XXXX XXXX, that because of duplicate presentment, they were pulling the funds from that account. I have spent hours on the phone with Arvest, they have offered no assistance and told me I should be receiving a call back from an associate named XXXX, whom I have not heard anything from. My other bank has been considerably more helpful, and was able to determine that Arvest did in fact process the check and it is no longer eligible for payment, per state taxation records. At this time we don't have the money in any account, and Arvest Bank is refusing to do anything to rectify their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
date account was open XXXX XXXX, XXXX I've called the debt collector several times and sent a debt validation letter and yet I didn't get a response. I went a step further, contacted XXXX and XXXX to verify that they received my certified mail of the letter I sent to debt collection. I am beyond frustrated in doing the same thing over and over again without results. please I need help to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
I made a payment for my son to an account on CASH APP and when doing this I accidentally hit the space bar and the payment of {$100.00} went to the wrong account. I have made multiple attempts with this company to get my money refunded and they tell me I am just out of luck, I also tried to contact the account that I transfer the money to and they declined to refund my money. The company Cash App is not willing to help out at all!! 

I have now turned it over to my bank as a Fraud!! 

Cash App should be closed down!!

Company response to consumer: Closed with explanation