vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a fraudulent activity with a XXXX transaction. I contacted td bank immediately to let them know that I was part of a scam through which my XXXX account was charged. After filing a complaint and providing all the necessary information td is refusing to credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
On XX/XX/2022, I received a letter in the mail from Sunset Finance ( address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, SC XXXX ). The letter contained a check for {$1000.00}. The letter advertised " celebrating XXXX in style! '' and contained instructions for the loan. I was pre-approved to receive a customer loan for the listed amount and the only thing I would have to do is deposit the check. I never applied for any loan of this type. Therefore, I felt like this was a scam or some predatory loan scheme so I immediately ripped up the check. Furthermore, anyone would be insane to accept a loan with a annual percentage rate of XXXX XXXX. I think that given the number of checks received by Americans at this time of year, someone may mistakenly deposit a loan check like this. This would be severely detrimental to their financial wellbeing. If this type of loan scheme is not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I received an email the morning of XX/XX/2022 from one of my credit unions stating that I have a new credit alert and that a new trade line has been opened in my name. I did Not open or authorize this! I tried signing into the link associated with the alert from XXXX XXXX who is affiliated with XXXX and they monitor my credit report and send me updates through my credit union. When I tried signing in, I was told that there were too many attempts and that I had to reset my password. That let me know that there was some possibility of someone else trying to access my account as well so I follow the prompts to change my password for the credit union. However the credit union and the Store credit card that Has the FRADULENT Trade line are not linked so I have no idea whats going on here its confusing and the next thing I did is started changing things like login information immediately and making phone calls. The store company that has the trade line is called XXXX XXXX and i dont know who is doing this because there is no track or trace of an inquiry. I do have a XXXX XXXX credit card and dont want to lose it so I just want the fraudsters to get off my credit with the trade line that I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit inquires, 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 Bank, XXXX XXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.

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 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022, TransUnion Bureau was notified to delete all addresses and phone numbers listed on my credit report/file. A certified dispute letter ( certified tracking # XXXX ) was sent directly to the company for corrections to be made immediately. TransUnion has been advised of the violations being committed according to code 15 USC 1681a Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. 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 an account without my written instruction.

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 2022-12-24 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: SC

Complaint narrative:
I pulled my credit report and noticed several accounts that do not belong to Equifax Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

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 an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Over {$13000.00} went missing from my account in 2021, {$5000.00} of that being that they allowed somebody to go into a branch and withdrawl money from my account without my permission and when i disputed it i was denied riembursement and they refused to show me footage of the transactions being made and had no thumbprint or identifacation for who they allowed to make the withdrawls!!! The rest was missing from a bunch of fees and unknown transactions!!! I have attempted numerous times to get them to fix my accojnt and they deny and close the dispute every time!!! Im looking into lawyers to proceed with my lawsuit!!! The wells fargo senior vice president XXXX XXXX is the one who denief and signed almost every dispute i have filed!!!

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 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I contacted them on XXXX XXXX, 2022 and XXXX, 2022 to provide to me the proper and original documents that I am legally responsible for the amount that they are trying to collect from me. I advised them to get back to me within 30 days and if they dont to remove the accounts off my credit report immediately. I did not give anyone written consent to pull my credit and they have failed to provide the proper documents to me within the 30 day guideline. I have disputed this same concern with XXXX, Equifax and XXXX and all 3 credit reporting agencies have failed to provide me with the proper documents. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I was informed by Security Finance I owe {$900.00} for a loan. I found out that this loan was paid at the time of the contract with my XXXX XXXX XXXX XXXX. I process the payment again which is twice the payment by XXXX. I am getting calls about payment repeatedly. This loan is paid in full. account # XXXX. I mailed documents to the Corporate office on XX/XX/2022 with notices of cease and desist, remedy letter, letter to creditor, and conditional acceptance. This loan was paid in full twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This case had already been submitted to the CFPB under the name of XXXX for violating the HIPAA law, now XXXX passes this same bill to another company named Capio Partners LLC since XXXX failed to provide the evidence requested and the case was closed. Now here I include evidence of the same XXXX case, and do I successfully stop this collection or proceed with legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
If you look at my last case # XXXX, you will get details of this ( same, ongoing case ). After I filed that claim with you, Google finally accepted my ID proof, and I was able to start making payments, including trying to pay them back for the hacking money that I do not actually owe them. I decided to pay because just wanted to get past this. 

Then this morning -- on XXXX XXXX, I got another alert that said My ID has been rejected AGAIN ... .they are asking for the same OLD banking info ( that's how I know it is related to the original hacking issue -- that bank account is closed after the hacking of my account, otherwise they would use one of my current accounts on file for verification ) ... .and yet I uploaded it again this morning, hoping it was just a mini issue ( maybe ) -- but NO -- they immediately rejected AGAIN!! This is ridiculous. 

Of course, today, on XXXX XXXX, I tried to contact google about it, and the XXXX started all over again. No one can help, they say let me transfer you, the next person says I can not help, they next says can you start over from the very beginning again. 

This has been going on since XX/XX/XXXX! That is 3 months! It is unfair to me as the consumer, to have to contact Google 50+ times ( I have all of the proof of each contact ), and have to go around in circles, as if I do not matter, especially when I am doing all I possibly can to comply. And all of this is because my account was hacked. I am the consumer and there are supposed to be protections for me. I am shocked at how unorganized Google support is, they make me start over every time I reach out. They say I will be " escalate '', but all I get is a copy and paste reply that they can not help and " please try these ( same ) steps over again ''. What is a little person like me supposed to do against the HUGE google?

What am I supposed to do? I feel I have no support. I pay for an extra help plan with Google ( Google 1 ) and it has been no benefit in this case at all.

HELP PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account and is holding my funds with no explanation on why. 
I have tried contacting them many times, giving me a run around. 
I have never heard of a bank for no reason holding funds for 6 months. This is not a US bond. 
I want my funds back now from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: SC

Complaint narrative:
I pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

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 an 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.

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 2022-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Got the loan XXXX  XXXX XXXX XXXX XXXX XXXX CA bank of America they took tax returns money from paychecks but after 20 years and I paid what they asked of me they paid for an apartment books and bus pass they scammed us to sign for student loans for certain classes the class I took was for electrical coding the school made excuses on the instructor and i had to forfeit my loan and leave 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 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Signature Bank (NY)
State: NY

Complaint narrative:
On XXXX XXXX, XXXX Sunday I mailed a check to my sister for {$100.00}. It was fished out of the mailbox with sticky mouse traps and the check # XXXX name and amount was changed to {$12000.00}, The transaction went through the Signature bank Friday XX/XX/XXXX, XXXX, and I reported the theft to the bank by phone ( XXXX ). Monday XX/XX/XXXX XXXX the bank called their Fraud dept. 
I made a report with the Attorney General 's office. I made a report with the NYPD ( XXXX ), XXXXXXXX  They are well aware of this issue. 
I made a report with XXXX XXXX  ) ( XXXX ). 
Today XX/XX/XXXX. Signature bank, was able to reverse the transaction of Check XXXX and my money was returned. I was lucky and vigilant but people are being separated from their money with this con game. I spoke to my Postal delivery lady today and mail Theft is getting out of hand. They are breaking into Postal boxes in the apartment bldgs. One person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: SC

Complaint narrative:
I pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

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 an 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.

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 2022-12-24 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: PA

Complaint narrative:
*******LICENSE AND FTC ID THEFT REPORT ATTACHED TO THIS REPORT FOR YOUR REVIEW******** INQUIRIES XXXX. XXXX 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 PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2022-12-24 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: SC

Complaint narrative:
I pulled my credit report and noticed several accounts that do not belong to Transunion Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

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 an 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.

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 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
This is a follow up to Complaint : XXXX. In that complaint Venmo asserts that the reason I can not add my bank account is due to not being in a place that Venmo is familiar with and thus it is being blocked. That is patently false. I am in my apartment, my primary and only residence, when trying to add my XXXX XXXX Account. I have tried adding my account on my laptop, my XXXX, and my tablet, all of which have resulted in " errors. '' These errors give no information other than " an error has occurred, please try again. '' This is a system error on Venmo 's end and has been an error for well over a year at this point. Their previous " solution '' and " response '' is a fabrication with no basis in reality and continues to show why they are the subject of several federal investigations and lawsuits by Attorney Generals throughout the United States. It's even more egregious as their is no area within Venmo to check to ensure the address they believe you're located in is the correct one. 

As it stands every time I try and set up my bank account for deposit/withdrawal it says that it succeeded only to come back and error out with a " form submission error. '' I receive an email from XXXX XXXX stating that my information is now being shared with XXXX/Venmo but nothing happens. This is a problem on Venmo 's end and needs to be corrected. It does not matte if I try and add my bank account manually or through XXXX

Company response to consumer: Closed with non-monetary relief