vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC
State: LA

Complaint narrative:
I took out two single payment loans with LendUp on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX loan was in the amount of {$200.00} with an interest rate of 401.50 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$230.00}. The XX/XX/XXXX loan was in the amount of {$350.00} with an interest rate of 521.32 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$390.00}. 

While browsing recent CFPB actions, I noticed that the CFPB had filed a lawsuit against LendUp for violating the terms of a previous settlement amongst other illegal and fraudulent activity. Just as alleged in the CFPB complaint, I gained no benefit from being a repeat borrower with LendUp. Indeed, my second loan was issued at a HIGHER interest rate than my first and this loan was confected after the time period noted in the lawsuit. 

Interestingly, the company website now states that it's no longer in the business of direct lending, but does inform customers : " Although we're no longer lending, were now working with some third-party lenders to oer our customers multi-payment installment loans in higher amounts with longer repayment terms than the loans we previously oered. Enjoy the exibility and convenience of this new customer experience. '' I can only imagine that the third party lenders will continue exploiting consumers by engaging in usury and doing everything they can to evade state & federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
There are inquiries on my XXXX credit report which do not belong to me and I did not provide authorization to pull my credit report. 

XX/XX/2021 with SYNCB/ Sams Club is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. **There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if

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 2021-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Atm shut down before withdrawal was completed but the bank still took XXXX dollars out of my account even though the machine gave me nothing. And they are not helping at all its been 2 weeks plus with no answer back to my complaint im on XXXX and a tight budget every XXXX counts.

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 2021-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
J.D.Byrider used predatory lending tactics and other deceptive sales overall in bad faith sales car to customers price gouging. I made a partially pymt & they illegally repo car. Than told me I could pay remainder pymt plus repo fee I would get car bck, than they restated current conditions & added one month pymt in advance gave me 30 days to complete this. Nearing the 30 day I called to confirm amount due they than said never made this verbal agreement and my car was gone. Than told me I was 55 days past due and reject a pymt in their back office never refunded actual money so they illegally rigged their accounting books and total revs my loan and took XXXX down pymt never notified me about personal belongings .I had items totaling XXXX in trunk of vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
There are inquiries from American Express and XXXX XXXX and XXXX XXXX on my XXXX Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my XXXX credit report XX/XX/2021 with American Express is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 

XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 
**There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX  XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint about an ambulance XXXX XXXX ( 3 ) about not accepting XXXX XXXX payments as paid in full. My complaint was accepted and the entries were to be removed. All other companies accepted XXXX payment. I lost my job to Covid-19 and live on social security. Food & housing take most of my check and payment is impossible under the credit. I am XXXX with health issues & future employment is unlikely. This is unnecessarily hurting my ability to survive.

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 2021-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There are inquiries on my XXXX credit report which do not belong to me and I did not provide authorization to pull my credit report. 

XX/XX/2021 with XXXX XXXX XXXX XXXX not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. XXXXThere was a line of credit opened which I had immediately closed. 

XX/XX/2021 A Capital One inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
Dear CFPB, Please help! To put it candidly, I feel like I'm in a real life nightmare. I've been working with Better Mortgage on a mortgage application ; however, they have not been able to get anything right. They are either fraudulent or grossly incompetent/negligent. I will be filing a detailed report in the near future including all communications with the company and the misconduct. In the meantime, I'm wondering if there is any steps the CFPB can take to help get this loan closed. Most recently, Better Mortgage is refusing to provide a closing disclosure that has correct numbers on it. I provided them with the errors that needed to be fixed on the closing disclosure, but rather than just fixing the errors, they are insisting that I sign an erroneous document. The text of my most recent email ( sent on Friday evening XX/XX/21 ) to the company is as follows : I hope you are aware of the implications of trying to force me to sign an erroneous closing disclosure. You are in violation of multiple regulations both at the federal and state ( XXXX XXXX PA XXXX ) levels by even suggesting such. I see no indication that you have any intention of providing a closing disclosure that has correct numbers on it. The fact that these specific errors were brought to your intention but you refuse to provide a corrected document may even be criminal behavior. Based on an initial assessment, it's fraud. 

Throughout this process, Better has fabricated their own " rules '' contrary to what is stated in the federal regulations. When I pointed out that Better is incorrect based on what is stated in the regulations, you simply fabricated another " rule '' to try to cover the lie. For anything I disagreed with, I provided you with regulatory citations indicating the actual requirements. When I asked you to provide regulatory references to your bogus claims, you were unable to do so. I provided you with the EXACT errors on the closing disclosure that needed to be changed. This should have taken all of ~ 20 minutes. A period of days have elapsed since I provided you with these errors. Instead of just making the corrections, you wrote email after email pressuring me to sign a falsified document. 

As XXXX just brought you in on this application, I want to make sure we're both clear on the events taking place. If you have any intention of salvaging this deal, I urge you to make the corrections to the closing disclosure immediately. If you fail to do so, I'll take that as confirmation that it was your intention all along to mislead the consumer and that you never were willing to provide the services quoted at the quoted price. I will be filing reports to all appropriate agencies with jurisdiction for any and all regulations, rules, statutes, or laws that you have violated throughout this process, which are numerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TX

Complaint narrative:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unauthorzied inquiries on my Transunion credit report. I called Transunion on XX/XX/XXXX to dispute the inquires. The inquires still remain on my credit report that I do not recognize. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/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 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
On or about XX/XX/2021, I received a phone call from an agent with Convergent Outsourcing looking to collect on a XXXX Account. As I do with all calls of this nature, I informed them I do not discuss any billing / debt collection type information over the phone and they need to send me proof of the debt in writing and release from XXXX so I know I am paying them instead of XXXX, should any money be due. At that point, the agent informed me that they could " E-Mail '' the information over immediately so I could have an opportunity to clear this matter up. I reiterated that I only act on Documentation that is sent via US Mail. 

Since that time, I did not receive anything from them via Call or US Mail. 

On or about XX/XX/XXXX, Convergent Outsourcing posted the Collection account to all 3 Credit Reporting Agencies ( CRA ) which resulted in a significant negative impact on my Credit Scores. I received an alert of this posting on XX/XX/XXXX. 

I reached out to Convergent via phone and spoke with a XXXX. XXXX so I could find out what was going on. I was informed by her that I wasn't aware that this debt was due since I understood it to have already been paid for by XXXX XXXX XXXX during a Phone number Porting. I then asked what I need to do to remove this account from my CRA 's. 
She then informed me that the debt amount of {$500.00} is due to resolve this debt, that amount would need to be paid, however, they will not remove anything from the CRA 's. 

I did ask for validation from " XXXX '' that this debt is still due, and I am in contact with XXXX XXXX XXXX to determine what happened and if there is a disconnect on either side. I am also following up the verbal request for information with a physical letter sent via Certified Mail today.

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 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Results Unlimited, Inc.
State: GA

Complaint narrative:
Received a letter stating I owe over XXXX $ to a complex. Its not true. The debt is not mines. I asked for proof and they sent some back office document that doesnt prove anything. I am in the mist of purchasing a home and can not have this debt put on my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
First Financial Asset Management did not notify me of their intent to attempt to collect a debt. They are not the owners of this debt, and I have no contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TX

Complaint narrative:
This account does not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I created a new TD Bank account inXX/XX/XXXX and I have been waiting on a debit card from the mail since then. This is my second time requesting a card, but I never received one both times. For the second attempt, I believe the card and PIN was misdelivered and is currently being used fraudulently by someone else. 

The transactions were made between XX/XX/XXXX to XXXX, XXXX in the total of over {$7000.00}. After the first transaction of XX/XX/XXXX, I called the bank on the morning of XX/XX/XXXX to report the fraudulent charges and cancel the card, however transactions were still being made on the card. These charges continued until XX/XX/XXXX. A full list of known charges has been attached to this complaint. Since I do not have access to my online banking, I'm not able to track these fraudulent charges myself and I obtained this list through an agent on the phone. 

Later that afternoon on XX/XX/XXXX, I was locked out of my account, leaving me without access to all of my savings. I am a current student at XXXX, and I have been unable to pay tuition due to funds missing from my account, as well as no way to access my bank at all. I am unable to pay bills or transfer money. I have called TD Bank every day for the past week, and they were unable to help me, only leaving me in circles. 

Some agents tell me the charges will be disputed ; others tell me that I am able to go into a branch to get my online banking unlocked. However, upon calling a physical branch, they told me they are unable to unlock my account for me and transferred me back to a call center agent. Later, the call center agent said that my account is being demarketed and cancelled. The Demarketing Team has not returned any of my voicemails and I have not heard from that team at all whatsoever. 

I have not received any of my lost funds back from the back, and TD Bank is attempting to cancel my account with all my savings inside, despite this being an issue they caused. I only recently opened this bank account in XXXX, and I have had issue after issue with TD with no one to help. Their customer service is terrible, and all their agents are useless in trying to understand my situation. 

No action was taking by TD to try to protect my funds. Even though their " fraud '' detection sent me a text to my phone about potential fraudulent charges, they did nothing to stop the charges. I have been locked out of my own bank account with no way to verify myself, because of TD 's " security features '', however their " security features '' were not enough to stop the thief from making thousands of dollars of transactions. Currently my bank account is still locked and I do not have access to any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 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: TX

Complaint narrative:
These account do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TX

Complaint narrative:
These account do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I'm victim of Identity theft. This account was opened fraudulent. I've disputed this account with XXXX and CCS Collections. They will not move this account. I ask that they provide information that was provided to opened this account... including my social security number. I feel that I'm getting the run around with disputing this account. This account doesn't belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On Thursday, XX/XX/2021 I had an issue where I could not access my checking account transactions online or through the mobile app. I was able to log in and reveiew transactions for all of my connected accounts except for my account ending in XXXX. On Friday, XX/XX/XXXX, I sent a message throught the mobile app inquiring about what I was experiencing. I explained that I wasn't only experiencing this through the mobile app, but also when I logged in online. I sent screenshots of what I was experiencing. On Saturday, XX/XX/2021 I received the following repsonse : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. Navy Federal Online Banking is designed to reflect up to a certain number of transactional entries. For most members, this limit is sufficient to cover all transactions that are completed ; however, you exceeded the allowable data limit that can be reflected within Online Banking. You will be able to see your transactions again once your statement is generated unless the data limit is exceeded again. The Available Balance listed on the main screen is correct. If you have further questions, please let us know. '' I then responded on Sunday, XX/XX/2021 that should be no way that I should not be able to review any of my transactions prior to the statement date and that I have never heard of such a thing as Navy Federal is the only financial institution that I have experienced such a thing with. Whomever responded then stated that Navy has designed their system to only reflect up to a certain number of transactions within a statement cycle and to them this is sufficient for most members. Navy Federal doesn't mention this in any of their member documents or account policy documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation