vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I accidentally opened an account with affirm.com online. My purpose was to get a credit quote, not open an account. To my surprise, when accessing my email, I found theyd opened an account in my name. I logged in to their website to close the account. The chat system would not let me close the account. I then called the designated telephone number for a live operator to close the account. I was kept on hold for over 90 minutes with their recording advising of unusually high call volume. 

They intentionally give no way to close the account and in my opinion, discourage me from doing so with extraordinarily high wait times. I do not want the account open, have no outstanding balance with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
I received a collections agency letter for a medical debt in a name of someone in TX that has the same last name as me. I do not know this person and I live in Iowa. This is either identity theft to some extent or skip tracing that went wrong. Ive never heard or this company called XXXX XXXX XXXX XXXX XXXX. The amount that is owed by this individual is {$1900.00}. I received this letter today, XX/XX/2022. Please help as I have a perfect credit score and this is unbelievable that a company can falsely charge the wrong person.

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 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I purchased A car XXXX XXXXXXXX XXXX XXXX  from XXXX XXXX, XXXX in. XX/XX/XXXX. I think I may have been part of XXXX XXXX. I traded in a XXXX XXXX XXXX ( XXXX ). The XXXX did have a balance and with the price of the XXXX XXXX my payments seem to be high at {$450.00} biweekly. This is my first car financing on my own and maybe there were some things i didn't understand regarding financing. I didn't realize I would spend {$900.00} a month for a car note. In further review of my paperwork i realized I have gap insurance, but no one discussed this with me ; Hence the gap document isn't signed by me. gap insurance is something i could've picked up off my car insurance. I'm assuming the extra $ XXXX is from gap. I was under the impression my entire car note was {$450.00} a month with {$250.00} biweekly payments. I'm now in jeopardy of losing this vehicle, as it's been very difficult to maintain life. I needed the vehicle to have reliable transportation due to a son on the XXXX  with therapy Appointments. weekly. He has a certain school he must maintain days enrolled and needed reliable transportation. if someone can review my sales contract to see if this was predatory lending or an issue of a misunderstanding. Thank you in advance for the prompt assistance. There are discrepancies with my trade in amount, upside down balance and GAP charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXXXXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 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 2022-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
Someone use my identity to sign up for school and also filled out for students loan on Mohela

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Inquiring, didnt apply for this card, this bank indicated that they had a problem with me before. If they had a problem before, please erase the problem, again I didnt apply for this card. Please remove this off of my credit and what ever the bank is saying about me please remove the problem off my name and your data.

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 2022-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I was a victim of Wells Fargos abusive private student loan practices. The charge exorbitant late fees. Erroneously charged interest rates. And did not apply payments to my account correctly.

Also, they never reached out to me for the CFPB settlement. When I tried to contact them they said they did not know what settlement. I have my payment schedule and account number.

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 2022-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 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 2022-04-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 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 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
First, I have confirmed several times that the debtor, XXXX XXXX does not show a debt owed for an outstanding bill of {$250.00}. Nor do they show an account currently in collections for me. However, XXXX XXXX has told me on at least XXXX occasions that they would open a case and escalate it, contact Credit Collection Services and have the account closed, then call me back to confirm within 1 to 3 weeks and I never hear back from them. 

Originally, I made payments toward the account in collections in the amount of {$250.00}, thinking I actually owed this bill ( I have receipts showing the payments made ). But after repeated threats and calls from Credit Collection Services, I contacted my health insurance plan, as I knew that lab work was covered lab work at 100 %, raising concern over the accuracy of said bill. My health insurance plan confirmed that the claim in question was paid in full at 100 % and the amount I owed was {$0.00}. The health insurance representative then sent me an explanation of benefits confirming this. 

I sent proof of payments made ( receipts ), the explanation of benefits provided by my health insurance plan showing the claim was paid at 100 % to Credit Collection Services via email. Then after no response, I uploaded through their website ( proof provided ) and after STILL NO response, I sent a debt verification demand letter via certified mail ( I can provide a copy of the letter and proof of date received ). Credit Collection Services has never responded to any of my correspondence. 

This collections account has been reported to my credit and is substantially impacting my credit score. While I DO NOT owe this debt, its worth noting that Credit Collection Services has never adjusted the balance in collections reported on my credit to reflect the payments that were made prior to finding that the claim was paid 100 % by my health insurance. I should be reimbursed for the payments made towards the incorrect balance due. 

Credit Collection Services refuses to remove this debt that I DO NOT OWE ( rather, refuses to acknowledge me, my proof, OR MY RIGHTS ), and every time I call, they just say they will look into it and call me back, and never do. Each time theyve failed to call me back, Ive called them to follow up, and Im yet again told I will be called back. Im getting nowhere!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022, I deposited XXXX checks totaling {$1500.00} in an ATM at a TD Bank in XXXX XXXX  XXXX. As of today, XX/XX/XXXX, XXXX days later, TD has not deposited the funds into my account. My account shows that this matter is pending. I called the TD Customer Service Line and was told by a representative named XXXX that there is an extended hold on the checks. Further she said that there was no explanation as to why these funds were held up. 

One of the checks was from XXXX XXXX Bank for the overpayment of a mortgage I had with that bank. Theres absolutely NO REASON why a check from a known financial institution in the XXXX XXXX  XXXX XXXX area should raise any flags or should result in any delays in the funds being placed in my account. 

The fact the second check from an insurance company deposited at the same time, is also being held, means that TD bank caused the delays. What is that likelihood of two checks drawn from two sources would both have issues justifying delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I learned that a credit card was fraudulently opened in my name at Bank of America. They used my address, email, SS #, and email address to open the account, but wanted the cards sent to an alternate address. I called Bank of America and cancelled the card prior to anything being charged.

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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Someone opened up an account with Bank of America using my maiden name and email address. When I try to call in to BOA to dispute this fraud, I keep getting blocked by their automated phone system because I don't have the full account number, since I didn't open the account. When I try to get around the blockage and ask for an operator, the wait time is more than 30 minutes and it seems like no one is available to answer my phone call. BOA needs to provide me with a way to close this fraudulent 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 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I received 3 letters in the end of XXXX stating that I had opened 3 new checking accounts in my maiden name. I tried calling their customer service multiple times, sitting on hold for over XXXX minutes each time, and never got ahold of anybody. A week later I received 3 letters in the mail saying that I had successfully signed up for overdraft protection on all 3 checking accounts, on XX/XX/XXXX. I have never done business with this company before. I called their customer service again and waited on hold for over an hour this time. Finally I reached someone and told them the situation, they assured me they would close all three accounts, and notify their fraud department to research it. Today I received 2 letters in the mail saying that as of XX/XX/XXXX, 2 of those 3 accounts are overdrawn. I tried calling customer service again and waited on hold for over XXXX minutes, but did not get to speak to anyone. I do not want to be held responsible for these fees and loss to the bank since they did not cancel the accounts as I had directed weeks ago. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This company ran my credit without my permission I received a phone call and this company was asking if I wanted a second mortgage and I asked how did they know my personal information this man lied and ran my credit without my permission I called the company and complained and nothing was done

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 2022-04-12 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: TX

Complaint narrative:
XX/XX/2022 In Accordance with Fair Credit Reporting act Convergent Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 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 Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury

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 2022-04-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX 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 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 2022-04-12 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: PA

Complaint narrative:
I am a victim of identity theft, i did not open/authorize the these accounts.

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 2022-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ok i filed tjis didute becsuse i called the bank to inquiry bout a previous claim and i was told that it had been paid already and all of the money was taken out the account by XXXX XXXX transfer.so i had to open a claim at that time fo XXXX. I sent the information required and any supporting documents such as police reports. But the claim was quickly denied... i have reopened the claim for re -determination around XXXX to XXXX times since the first XXXX, but each time they reached the same decision in less than XXXXXXXX XXXX. I really decided to ask for their paperwork why they reach the decision that they did and the first time I requested the document they sent some transaction that we're not related 2 they claim so I called and explain back to the claims department and asked for determination again and requested it supporting documents for their decision this time they sent. A paper with just the XXXX XXXX XXXXransfer and that was 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 2022-04-12 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: DE

Complaint narrative:
XXXX XXXX XX/XX/2022 CREDIT REPORT INQUIRE NOT MINE

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