vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
on XX/XX/2023 my application was denied for reasons that go against consumer laws I did not give permissible purpose as usc -1681b paragraph XXXX. I never gave written intuitions permission to do anything, but the financial institution assumed I did apparently 15 U.S. Code 6801 - Protection of nonpublic personal information - ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy federal has continued to harass me for a alleged debt. I told them not to contact me a while back and they continued contact me and are in violation of 15 usc 1692d ( 4 ) ( 5 ) and it states ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Spoke with a representative regarding this matter they said they can not contact me for 30days but I never agreed to those terms because that isnt what the law says. I dont want them contacting me unless its about payment for the violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America sent me card on XX/XX/2023 which I never applied for I was sent a alert from XXXX XXXX asking if I opened account and disputed this account. I contacted Bank of America on XXXX XXXX and they closed account XXXX XXXX notified me on XXXX and they reported to all credit reporting agencies using XXXX XXXX as their agent to contact other credit reporting agents.XXXX XXXX told me to report to you thank you for your assistance

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 2023-01-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I can not access my equifax credit report! It states theres a block for promotional purpose! 

I can not access my XXXX report, its stating theres am open dispute. 

XXXX has a bunch of inaccurate information on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I can not access my XXXX  credit report! It states theres a block for promotional purpose! 

I can not access my XXXX  report, its stating theres am open dispute. 

Experian has a bunch of inaccurate information on my 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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
Occurred XX/XX/XXXX & XX/XX/XXXX, two separate times. 
There have been accounts opened in my name using my social security number, name and date of birth, on two separate occasions in XX/XX/XXXX, without verification of my email, address, phone number, or ID. I have never had accounts with TD Bank. If not for XXXX, I would not have known about this. The first time, XX/XX/XXXX, I called TD Bank, and I was told the accounts would be frozen, then closed. I was also told my social security number would be flagged against this happening again. Obviously it happened a second time on XX/XX/XXXX. They are allowing people to open accounts online with no hard check on credit, or ID verification. At this point, because of XXXX, I was able to stop this before any money was lost. I would like to know how I can be compensated for constant time spent on the phone, internet, lost work time, stress, etc., trying to get these matters resolved. I would also like to have people aware of TD Bank 's practices, and they be held responsible for these practices, so this does not continue to happen to me or others. I will also be filing a complaint with the XXXX, and looking into a lawsuit since this has happened multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I along with our attorney have tried to resolve a matter on ur credit report. We have sent letters to Macy 's & Citi Bank and keep getting the run around for a balance that's reported as a charge off for {$1400.00}. Every time we call each department transfers to someone working in another country and you can not get any information. The last letter we received from Macy 's stated they can not discuss this matter. We have also received a letter stating they are not collecting on the said amount. They said this account is past the statute of limitations. Of this debt is reporting why can we not get something official and they fully remove this account? We haven't been able to make any progress or get any accountability which isn't fair to continually be able to report something on our credit that we can not get a legal response to our attorney from them.

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 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Withdrawal of {$350.00} from my checking account on XX/XX/2022 from a dispute for a fraudulent transaction on XX/XX/2022 from a company caught in a scam. 

Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. 

If banks are not for the customers, it's clear to see that Ally is not at all what their name says for their clients. 

If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product. 

However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ). In a day and age of social media ruining companies profiles and customer retention ( especially for customers who are of XXXX decent ). 

Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).

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 2023-01-18 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I purchased a watch from XXXX using my TD account. Days after receiving the watch the band broke due to a clear manufacturing issue. I tried to get XXXX to replace the band and was only sent incomplete parts for a band, but never a complete band. I filled a dispute with TD, stating that I had emails to add to the dispute to enforce my claims. They told me that if TD needed more information they would reaching out to me. Today I received a letter that they completed their investigation and that I should reach out to XXXX for warranty repair/replacement, which was the problem in the first place! 

Now TD Bank has told me the investigation is closed and I should have submitted the emails when I submitted the dispute, despite them never providing me an address to send emails, telling me their dispute department would reach out to me. 

As a XXXX XXXX that has stated this fact to TD, I feel completely and absolutely discriminated. XXXX is failing to honor their warranty and my bank does not seem to care!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX account is currently reporting open : XXXX XXXX XXXX  and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a XXXX BALANCE

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 2023-01-18 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: GA

Complaint narrative:
XXXXXXXX XXXX card account is currently reporting open : XXXX XXXX XXXX and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a ZERO BALANCE

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 2023-01-18 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:
XXXX Credit card account is currently reporting open : XXXX XXXX XXXX and balance of {$2300.00}. 

This account has been paid in full and closed as of XXXX the account has a ZERO BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
Sent to debt collector : I am writing to you to dispute your collections debt on account XXXX as well as any other accounts under my name. 
According to Public Law 117-2, American Rescue Plan Act of 2021 ( ARP ), Section 8007 signed XX/XX/XXXX, all Veteran copayments for medicare and pharmacy services provided XX/XX/XXXX through XXXX XXXX will be canceled. 

Please provide any evidence that these debts do not qualify or have not been canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent {$43000.00} to an account in the XXXX for a down payment on a house and Wells Fargo the next day locked and put a hard hold on my account which the only way to solve is to fly back to the XXXX and sort it out. 

The receiving account couldn't receive the money either because wells Fargo blocked it so it was supposed to get refunded but it has been over XXXX weeks and the money is not in my account. Receiving account showed me a XXXX copy and wells Fargo claims they know nothing of this. 

I don't know when OR if i will even get the money back

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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I need to buy XXXX medication for my mother who is extremely ill. I called Capital One and asked them if I make a full payment will the money be available to me the next day so I can buy the medication for my mother. They told me on the phone that if I paid in full the money would be available back to me the next day by XXXX - XXXX. When I work up this morning to goto XXXX to buy the medication the money was not on my credit card. I just says XXXX balance. When I called back they said it could take days to weeks to clear. I have never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: West Realm Shires Services Inc.
State: FL

Complaint narrative:
I believe West Realm Shires Services, dba FTX.US is in violation of the Electronic Funds Transfer Act ( EFTA ) by failing to make funds available to me by the disclosed date of availability. FTX is holding cash funds that belong to me, without communicating in any way when they will return my funds. These funds comprised over half of my families life-savings. As a young family with two children under 3, I can not express how significant of an impact this is. This is my girls ' college funds.

I withdrew from my cash account balance via the FTX.US app, via one ACH transaction of {$11000.00} to be sent to my bank account at XXXXXXXX XXXX, following the FTX.US guidelines, instructions and terms of service on XX/XX/2022 ( three days prior to FTX.US declaring bankruptcy on XX/XX/XXXX ). At the time, FTX.US openly stated on their official website and XXXX page that withdrawals were fully operational and processing. At the same time, there are numerous reports of others successfully withdrawing from their FTX.US accounts, both before and after my withdrawals. 

These are funds that belong to me, were being held in a custodial arrangement on my behalf, and were withdrawn PRIOR to bankruptcy, fully within the Terms of Service of FTX.US. Per my account on both the FTX.US app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via FTX.US support directly that my ACHs were being sent. Further, I was told the transactions were in process, past the point of modifying or in any way, and that they would arrive in 3-5 days. I have yet to receive my funds.

The FTX.US terms of service clearly state that my U.S. Dollar account balances would be held for my benefit at XXXX XXXX ; Your FTX.US Account allows you to hold and transfer US dollars which are held by FTX.US for your benefit at XXXX XXXXTo the extent you hold USD XXXX balances ( and such balances are not held in stablecoins or other investments ), those XXXX balances are held in customer XXXX accounts at FDIC-insured banks ( XXXX XXXXor customers of the FTX.USas of XX/XX/2022 ). I have reached out multiple times, to multiple contacts FTX.US and I have yet to receive any response at all from any of these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received a copy of my credit report and the following account is in error. This debt has been reporting late payments after the creditor has charged off this account as bad debt. 

Victoria Secret acct # XXXX Why am seeing a balance after it was a charge-off status? Please remove this immediately. 

By the provisions of the Fair Credit Reporting Act. I demand that this item be investigated and removed from my report understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand that under FCRA 15 U.S.C. Sec 1681s-2/ ( a ) ( 1 ) ( a ) you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
Please refer to Complaint XXXX I repeatedly disputed a medical bill that I was not familiar with. The amount is {$940.00} for a XXXX XXXX. During the time of the procedure I was pregnant and covered by state healthcare. I should not have had any medical expenses. XXXX  XXXX are not typically performed on XXXX XXXX. I have no reason to have had a XXXX XXXX  I contacted the original creditor in which they informed me the bill belong to another patient with my same name but a different DOB. Contacted the collection agency again and was given the run around. I asked that they verify the debt. They refused. Filed CFPB complaint XXXX to help get this resolved. It came back validated once again. I then called the original creditor to get additional details. My assumption was that if the medical bill was, in fact, mine then I should be able to get my test results and medical records. I could not. It was determined again, that the bill belonged to another patient. The original creditor emailed the collection agency her findings. 

I am concerned about the due diligence of collections agencies, credit reporting agencies, and consumer protection agencies. For a debt to be returned " validated '' repeatedly when it was not is very concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief