vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
I purchased {$1200.00} concert tickets from XXXX on XX/XX/2021 through Affirm ( installment plan ). I was supposed to get these on XX/XX/2021 but I never did. I paid Affirm in full amount on XX/XX/2021 however I did not get the tickets at all so I disputed this with my bank. XXXX XXXX XXXX XXXX provided me with a temporary credit ( they gave my money back ) while investigating the case. Now, Affirm is saying I have an outstanding loan with them. I have been going back and forth talking to Affirm agents telling them I NEVER RECEIVED my tickets. I contacted XXXX via email ( because I can never get a hold of someone over the phone ) and they responded to me saying I should contact Affirm with any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
On XX/XX/XXXX it was discovered while on XXXX that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXXXXXX XXXX to and was retaliated against and since then have been paying the price and am now XXXX and can't get a job and now this. XXXX XXXX along with the California XXXX XXXX have manipulated my paystubs with only one paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California XXXX XXXX take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX  the same University I am suing due to me being XXXX. Moreover, TransUnion and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.

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 2022-01-12 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: CA

Complaint narrative:
On XX/XX/XXXX it was discovered while on XXXX that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXX harassment to and was retaliated against and since then have been paying the price and am now XXXX and can't get a job and now this. XXXX XXXX along with the California Tax Board have manipulated my paystubs with only one paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California Tax Board take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX the same University I am suing due to me being XXXX. Moreover, XXXX and Experian have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.

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 2022-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I have contacted Toyota financial services about removing extended warranty on my new car loan. They ask that I sent a letter to remove the items, I did and called back a month later and they said they never received it. I then asked if I could fax the letter and I did they agreed they would remove it from loan within 5 days. It has now been another 2 weeks and the amount has not been removed from my loan. They are attempt to stall to get to 90 days and I am fed up. Each call was 1 to 3 hours on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX account # XXXX dating back 2 year to the date. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded to you. It has been over a year now and this account is still falsely reporting on my credit. I have a letter from the tradeline stating its removal after a BBB complaint. How is this possible for an account that should not be on my credit report? It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all on numerous occasions. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complaint on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. I am providing documentation again that this should not be on my reports. Your sister tradelines have removed the erroneous account. Transunion is still reporting incorrectly. However, I ask that you correct the error on your part and remove the account entirely.

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 2022-01-12 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for RBFCU ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. XXXX has wrongly claimed to have verified the information leaving me with no available remedies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: VA

Complaint narrative:
I the natural person XXXX XXXX have been effected by the false reporting on my consumer report. I've already disputed these accounts ( XXXX XXXX XXXX XXXX XXXX - DATE OPEND : XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX ) for fraudulent and unauthorized charges. Experian did an " investigation '' and concluded that the charges were authorized, but failed to provide and/or request a " burden of proof '' which is required by FEDERAL LAW in [ U.S.C 1643 section ( b ) ]

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 2022-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, my problem is not being addressed and thats why I am resending this complaints until the actual specific issue I have is addressed specifically. Here is my issue one more time : the bank used the word payments when it referred to amounts being deferred. In my case payments include both principle and interest. Therefore when the actual deferments happened, it should have included both of those categories that made up my payments meaning both the interest and principle. There is no legal basis to categorize payments as interest portion only which the bank is claiming right now. You have to address this specific complaint in your letter, otherwise I will keep sending the complaint via as many channels as I can find. You cant just ignore the specific complaint issue or problem that I am having and send a generic response when you cant address the complaint appropriately. In that case, you have to admit you are wrong and come up with another solution. 

Please tell me why the word " payment '' was used in letters confirming deferments to costumers if the bank intended to defer only the " interest '' portions of the mortgage payments. That is false presentation and needs to be addressed appropriately and/or corrective action be taken to make up for it.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to log in on my account, I had not received any notifications since XXXX -the first week. I assumed the account was safe No luck login in. So I called the XXXX number on my card and it ask for a number associated with the card I entered my old number and the system accepted it and moved forward with the call I requested my balance and to my surprise it said {$9.00}. And some change. I instantly requested an agent and let them know my balance was wrong. The agent was hesitant and notified me a second card was issued and mailed to my address. I was not expecting a second card in the mail. I never received that second card or any notifications or alerts that my card was being used. 
XX/XX/XXXX {$500.00} {$400.00} Transactions were made in XXXX Texas, at XXXX XXXX XXXX.. I was home in XXXX TEXAS. Numerous transactions were done totaling {$19000.00} plus dollars.. I RECEIVED A LETTER ON XX/XX/XXXX. Telling me in very few words that their ruling was there was no error occurred,! 
We consider this matter closed. 
I talked to the police to make my report but the agent I talked to after I received the letter said I had very little chance of getting any where from this point. I asked for the investigation report and all the documents used to reach their conclusion and all that was sent to me was the transaction report showing the transactions made. No video or any kind of effort to find out how my money was withdrawn or who took it. They were not trying to protect my money I almost believe they probably did the fraudulent charges to keep my money.

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 2022-01-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I applied for a Bank of America credit card on XX/XX/21. After a lengthy verification process, I was initially given a verbal approval of a {$3000.00} credit limit. That later changed on XX/XX/21 to a {$1500.00} credit limit. After receiving my card, I began using it but I was careful not to charge it to the limit so it wouldnt negatively impact my credit report. I also made every payment on time ( actually ahead of time ) each month. However, on XX/XX/21 Bank of America suddenly decreased my credit limit to {$1100.00} without warning. Their action negatively impacted my credit report because it raised my credit utilization especially since at that time my bill was a little over {$900.00}. When I called to see why I wasnt notified prior to this action being taken, the representative said they mailed me a letter on XX/XX/21 ( the day before XXXX XXXX ). However, they never waited for me to receive the letter because they took action 3 days later. They never provided a turn-around time, waiting period and/or due process before changing my credit limit. Additionally, I later discovered that Bank of America was secretively and aggressively checking my credit report every month since I received my credit card prior to decreasing my credit limit. This action seem very illegal especially since I had already went through a credit check, had been approved and had already been using my credit cards for months. I feel discriminated against. This seems like 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 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Ex girlfriend onle user of card and paid bill we broke up and she stopped paying. Did not have acces to account or way to pay ... Now in collections and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of an online scam. Yesterday, Monday XX/XX/XXXX at about XXXX PST I contacted a former school childhood friend of mine via XXXX XXXX XXXX : XXXX ) regarding a post on her XXXX XXXX. It stated, Bitcoin XXXX investment opportunity, contact ( username : XXXX ). So I did. XXXX, I feel that XXXX XXXX 's XXXX account has been hacked and XXXX has scammed me. I have contacted my friend XXXX XXXX through XXXX email and she has not emailed or called me. I transferred via Zelle through XXXX  XXXX XXXX {$2000.00}. And I was promised a profit return of {$20000.00} within three hours. I followed XXXX 's instructions; downloaded XXXX app, created a XXXX  account and also created an account on XXXX. And then made the Zelle transfer of {$2000.00} to XXXX. At XXXX XXXX on XX/XX/2022 I received an email from XXXX stating, " Hello XXXX XXXX now you need to pay for mining fee because we are mining on your behalf to make your profit. Your mining fee is {$5000.00} and it will be added up to your profit. '' I contacted XXXX and told her that this was not disclosed to me in advance and that I was not prepared to transfer {$5000.00} additional. Additionally, Zelle 's 24 hour limit is {$3500.00}. Therefore I negotiated and said that I would transfer {$1500.00} and pay another {$1500.00} the following day, totaling {$3000.00} for the mining fee. Thank god the {$2000.00} ( which was supposed to be invested ), wasn't accepted by the receiving party. This morning Tuesday XX/XX/2022 I cancelled the {$2000.00} payment and it was credited back to my checking account via Zelle, However, the {$1500.00} has been taken by " XXXX, '' XXXX. I demanded that the funds be transferred back to me. And they wouldn't do so. I've contacted Bank XXXX XXXX Fraud Department Zelle Division, the XXXX XXXX Police Department today and am also filing a claim with the FBI. I have 73 screenshots of the process with the dollar amounts, communications, photographs, etc. if needed. Please help me recover this {$1500.00} that was illegally stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Those thing on my account is infecting my life. I do not wish to have them on my consumer 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 2022-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/22 I sent credit karma an email from their website asking why my savings account had been frozen & why I was not notified. Credit Karma did respond asking they needed a picture of my I.D . ( Front/Back ) & my bank statements that were from the bank I had linked to the savings account of my credit karma savings account to see why my account was frozen. On XX/XX/22 I sent every document they needed and they responded with not knowing why my account was frozen and someone from a higher team will contact me directly. Its is XX/XX/22 and I have not been contacted by anyone from credit karma, my money is being held, and my bills are not stopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I cant exactly remember the date this occur but it's a fraudulent account that I knew nothing of for so long

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
ChexSystems has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for XXXX ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. ChexSystems has wrongly claimed to have verified the information leaving me with no available remedies

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