vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Please make all correspondence in writing. Phone calls will not be permitted in this legal matter. 

On XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX XXXX XXXX dba TD BANK GROUP AND/OR TD BANK N.A . AND/OR TD AUTO FINANCE. 

Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank and/or sold over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 

On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice along with POWER OF ATTORNEY instructing CFO XXXX XXXX  XXXX XXXX that I accept all Titles XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( Payoff sheet ) offered to me. 

I have given XXXX XXXX XXXX XXXX business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. I was then met with a dishonorable bill in the mail after I've already paid the bill according to Federal Reserve Act Section 16 and the Bills of Exchange Act. 

Since then I have sent out 3 notices ( 3 tiers ) totaling nearly 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have them assessed before I moved forward. 

They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know ; of this breach and I would consider their actions to be scienter. 

The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the federal reserve notes and am being extorted for extra monthly payments and interest on top of what I have already gave them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally raise my concerns and file a complaint about a recent issue I encountered with my credit score as reported by the credit bureau, TransUnion. 

Recently, I took the decision to lower the balance on XXXX of my credit cards, a responsible financial decision that should typically be seen as a positive action indicating good credit behavior. However, to my surprise, this led to a drastic and inexplicable drop in my credit score as reported by this agency. It appears that an action aimed at reducing my debt and improving my financial situation has been misconstrued and, rather inexplicably, punished. 

I am finding it difficult to understand the logic behind penalizing a consumer for decreasing their level of indebtedness. This counterintuitive action on Transunion 's part fuels my suspicions about potential predatory practices, as it appears to incentivize maintaining high balances and, as a result, paying high-interest rates - a situation that, I believe, benefits the credit card companies at the expense of the consumer. 

This circumstance brings to mind questions about the fairness and transparency of the scoring models used, and whether there are elements within these models that could perpetuate a cycle of debt and high interest rates, contrary to what one would expect from an organization that should foster responsible financial habits.

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 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023 I used the bill pay feature from Capital One to transfer {$1000.00} from my Capital One personal checking account to my XXXX business account. The money never made it into my XXXX account. I have contacted both financial institutions and they each say that the fault is on the other. Capital One has provided me with a proof of payment. When I gave that to XXXX, they stated that they have done an extensive search of their national data base and have not been able to track down the payment. I even had a joint call between the XXXX institutions and we are at a stand still, both stating that there is nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: GA

Complaint narrative:
I strongly urge Equifax to take immediate and decisive action to comply with my previous written instructions and remove the inaccurate and harmful information from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been going through financial hardship for sometime since the pandemic. I have been struggling to the point where today, XX/XX/XXXX I called my credit card company, Bank of America to ask for forbearance on my credit card payments. I asked if they would suspend my payments for approximately six months or less. I have decided to place my apartment on the market for sale. Actually its been already on the market for a few months, but because interest rates are so high, sales have been slow. I am also offering my apartment for rent. My apartment has substantial equity in it and I would have no trouble paying them back which I explained to them. Unfortunately they flat out rejected my requests. 
I am XXXX XXXX years of age and they are obviously discriminating against me because of my age in violation of part B of the ECOA Law. On their website that I have been using for sometime, there is a section on payment assistance which I will attach, It says WE ARE HERE TO HELP IF YOU NEED PAYMENT ASSISTANCE.Notice on this document there is no option to send a message, only to call, which means Bank of America wants nothing in writing. Bank of America is not here to help especially is one is a XXXX XXXX year old woman. I unequivocally state that I have had a relationship with Bank of America since I first took out a HELOC loan from them on or about in XXXX. Then I opened some credit card accounts at their urging. I have never been late on my payments to them. Bank of America claims I had one thirty day late in XXXX which I disputed. The fact is in my entire life other than this incorrect thirty day late I never had a blemish on my entire credit reports ever. For them to deny me a short forbearance period is discriminatory and disgusting especially for a valued customer that they insist I am.

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 2023-05-31 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: FL

Complaint narrative:
After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2023-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT NUMBER XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.

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 2023-05-31 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:
I am filing this complaint to Transunion for allowing these fraudulent activities on my file. These accounts just suddenly appeared on my credit file. I have no knowledge of these accounts and never heard of the original creditors. I did not receive a dunning letter nor any attempt to contact me which is required by law to do. This is so stressful and I need your help in resolving these. In the meantime, It is an urgent matter. Could you kindly block these fraudulent accounts under the Fair Credit Reporting Act section 605B.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, at exactly XXXX pm, I used a Bank of America ATM at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX. The ATM ID number is XXXX. I attempted to deposit {$2800.00} cash into the ATM. It processed and said, " Is this amount correct? '' I clicked confirm, then it said " processing transaction ''. The circle spun for about XXXX minutes trying to process until the ATM said " Transaction canceled '', spit out my card, kept my money, then returned to the home screen as if nothing happened. I never got a receipt, and the money was never deposited into my account. I filed a claim with Bank of America and as of today, XX/XX/XXXX, they still have not issued me my money. They keep giving me the run around etc. That money is the rent money that I need for XX/XX/XXXX rent, along with other bills. I have a pregnant wife and baby on the way. We are a single-income family and I currently can not pay my bills. I do not have time to wait for Bank of America anymore and need assistance with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 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: NJ

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-05-31 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: IL

Complaint narrative:
I implore you to take immediate action to remove these records and update my credit report accordingly. This situation is causing me significant distress, and I kindly reque

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 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2023 I started to receive emails claiming that I've joined XXXX XXXX  I did not ) and that I " added a debit card to my XXXX  account '' ( I did not ). Upon contacting the XXXX, no useful response was provided. Shortly thereafter, I started to receive emails that payments are being made from the XXXX account ( which, again, I never agreed to open nor did I authorize ANYTHING to do with XXXX  ). At this point it seems that XXXX and/or PayPay ( who owns XXXX XXXX have fradulently opened an account using my information and are allowing fraudulent transactions to proceed without any way for me to stop them ( without providing them with even more information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My account should not show any late payments because I have always paid on time.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I paid Care Credit {$1300.00} for my credit card payment on XX/XX/2023. The balance was {$3300.00}. The payment posted at my bank and they received the payment and updated the new balance and also say no payment due at this time. They never updated my available balance. I called several times and talk with management and they said because of a large payment they cant update my available credit until XX/XX/2023. I said you received the payment and they say It is a large payment, so a lot of people make large payments on their accounts doesnt mean I dont have the funds. No matter what I say they denied to update my available account.

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have gotten a strew of letters from Wells Fargo Auto Finance in the mail, they all go in the trash because they will not work with me. At this point, I want Wells Fargo Auto Finance to Dissolve the loan as all they do is argue with me over the phone, otherwise I will have to seek an attorney to take on this matter.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MS

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I kindly request that you promptly update my account with the correct and accurate information.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Credit card supposedly opened in my name to purchase furniture from 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a pre-qualified offer for Citi AAdvantage Platinum Select Credit Card. 
Since I fly on the XXXX XXXX often and the card presented appealing benefits on par with some of my other cards, I decided to apply. 

On XX/XX/XXXX, I received a denial letter with the reason stating that my name came up as a match on a list administered by the US Treasury 's OFAC and that I am subject of sanctions. 

As an XXXX  who has lived in the United States for over 22 years, this caused a great deal of emotional distress as I had to call multiple federal agencies to confirm that I am not indeed on the OFAC nor that my name in anyway should have come up. 

I tried to call Citi to clarify this issue and was shifted between departments until ultimately the call was dropped. 

An accusation such as this is not only emotionally damning, but even any reference to this can negatively impact an XXXX  in the United States and the fact that the bank has no recourse for this is absolutely unacceptable.

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
in XXXX of XXXX 2 fraudulent loans were taken out in my name for 2 different XXXX XXXX XXXX XXXX  trucks. i did not buy these vehicles nor did i ever receive these vehicles. they have never been registered to me nor were the titles ever sent to me. i was told the loans originated from a company called XXXX XXXX  out of XXXX Florida. i filed a police report with the XXXX police department REPORT NUMBER XXXX. the detective confirmed that these vehicles have never been registered to me or ever registered in the state of Indiana where i reside. consumer portfolio services was contacted when i began receiving letters last fall only after whoever took these loans out stopped paying them. i was not protected by these companies, they did not confirm that it was actually me that took these loans out. I also found out by consumer portfolio services PHONE NUMBER XXXX, that the XXXX XXXX that consumer portfolio services had loaned money on was DOUBLE FINANCED AND ANOTHER BANK HOLDS INTEREST. THE OTHER LOAN COMPANY INNOVATIVE LOAN SERVICING, PHONE NUMBER XXXX, STATED THAT THEY HAD OTHER PEOPLE COMPLAINING OF THE XXXX PROBLEM. FROM XXXX XXXX AND XXXX XXXX. I also found the other XXXX XXXX for sale online at a dealership in north carolina.

Company response to consumer: Closed with explanation