vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Has harrassed me multiple times, even went as far as to pretend they made a lawsuit and judgment on me to attend court, then continue to say they will sue me for debt and that it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please ask this debt collector to verify this debt? 
I do not owe this debt and please ask the creditor to answer the questions below? 
Collector Information : XXXX XXXX Original debt collector : XXXX Deposit IQ Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone number : XXXX Collector information XXXX XXXX  Original Debtor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : XXXX 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

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 2023-03-05 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I received a statement from Destiny FS Card Services for an annual fee and Credit Protection Fee in the sum of {$76.00}. I did not apply for this credit card. The company would not cancel the card and remove charges. Only information was that the account ended in # XXXX. When I called to inquire, they continually asked for my complete SSN. Payment due date was listed as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Has harrassed me multiple times, even went as far as to pretend they made a lawsuit and judgment on me to attend court, then continue to say they will sue me for debt and that it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: DE

Complaint narrative:
Submitted a complaint to credit Karma regarding account. This has not been reported as the bank account associate with XXXX XXXX stores has filed bankruptcy. There has been calls as many as XXXX times in XXXX day, and back to back recalls from the bank, Requested contact via mail yet calls continued. Dispute was completed for credit report. Information was successful removed. It is now reporting with different date of opening 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 non-monetary relief
Consumer complaint received 2023-03-05 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Submitted a complaint to credit Karma regarding account. This has not been reported as the bank account associate with XXXX XXXX stores has filed bankruptcy. There has been calls as many as XXXX times in XXXX day, and back to back recalls from the bank, Requested contact via mail yet calls continued. Dispute was completed for credit report. Information was successful removed. It is now reporting with different date of opening account,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Submitted a complaint to credit Karma regarding account. This has not been reported as the bank account associate with XXXX XXXX stores has filed bankruptcy. There has been calls as many as XXXX times in XXXX day, and back to back recalls from the bank, Requested contact via mail yet calls continued. Dispute was completed for credit report. Information was successful removed. It is now reporting with different date of opening 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 2023-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC
State: VA

Complaint narrative:
I paid my entire lease and have a letter from them that everything is paid but looking at my credit report it seems that they are saying that I did not completely pay or end the lease. How can I get this removed from my credit as the car has been returned for over 8 months and I have never been late on any payments? I over paid them and they sent a check last month for an overpayment of {$750.00}. This is for a lease for a Volvo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
This car loan isn't mine the colonial auto finance says I pay XXXX month it maybe on time but it isn't mine. Also all the inquiries are right I only applied for XXXX XXXX XXXX  didn't give permission for the other ones for 2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: PA

Complaint narrative:
My federal student loans were consolidated into a direct loan in XX/XX/XXXX. They were serviced by the now defunct acs. In XXXX they were then transferred to XXXX. XXXX seems to have lost any and all records of my payment history prior to them taking over servicing of the loan. These missing payments have caused me to lose out on a significant refund on my student loan payments as part of the tepslf program. I've tried numerous times to get this information and they tell me there is nothing more to do. I've reached out to XXXX, my congressman and other servicers and this problem still persists. I've been working on getting answers for nearly a year but no one can answer my question, where is the verification of my payments? Please help or direct me to someone who can! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 an 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 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened a business checking account and made a large deposit on XX/XX/23. Funds were due to be held until XX/XX/23 which was fine. Deposited check cleared other financial institution same day as deposited. Wells Fargo fraud department made a call to XXXX XXXX  to verify funds on XX/XX/23 and by voice were told it would not clear at that time. 

Wells Fargo informed me that due to the issue they would be closing my account XX/XX/23. Had multiple calls to fraud department and received the run around and they would not change the status. 

Funds came off hold and I started making payment to other billing accounts. One was an XXXX  to XXXX for {$15000.00}. Made payment on XX/XX/23 and was to be delivered by XX/XX/23 ( prior to account closing ). As of XX/XX/23 the XXXX  had not cleared so I called to stop payment. Bill Pay department said they would initiate a cashiers check to refund me the money as the account was closed. 

As of XX/XX/23 had not received funds. Called into Wells Fargo on XX/XX/23 to find out status. Ended up being transfed multiple times, spoke with 7 different bank reps and spent XXXX XXXX XXXX XXXX on the phone. No check had been cut or even requested and as of the call they do not know where my money is. 

Demanded my money and they created a case to escalate to the highest department manager. Told me they would contact me within XXXX XXXX. As of XX/XX/23 there has been no contact. 

Wells Fargo has made numerous errors in relation to my account, has cost me additional finance charges on billing accounts due to their delayed return of my money. 

And they still don't know where the funds are!!

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 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/23 I woke up to see that my car window had been smashed. Somebody broke into my car, took my wallet and proceeded to complete XXXX transactions on my debit card totaling over {$1000.00} I gave my bank, Chime, multiple opportunities to correct this and refund me my money. Every single time they deny my claim stating that the merchants used are close to my real location so therefore it cant be fraud. I have sent them a police report I filed on XX/XX/23 stating the same transactions Im disputing. When I ask for the documents their team used to see if it was fraud, the document they send me is full of data entry mistakes. I reopened my dispute 4 times since then to have them correct this and still Ive had no luck. I really just want my money back. 
In the attach documents section I have added the police report I filed. I added it in pdf form and through screenshots on my phone. Unsure of the better format.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: IA

Complaint narrative:
I have XXXX issue with XXXX XXXX XXXX  inquiry account.First at all I always pay my credit card on time but unfortunately I got XXXX delinquent account I dont recognize at all its made my credit score down since XXXX months I tried too many time to call them I mean XXXX XXXX XXXX but nothing resolved for remove it The item appears on my credit report since XXXX  and the balance is 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 non-monetary relief
Consumer complaint received 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion I demand all delinquent accounts & Inquiries you are reporting in my consumer file to be removed! 
Your delinquent reporting has defamed my character and limited my ability to extend commerce transactions within society 15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists. 

This matter has been ongoing for several months, You now have 10 days from reciept of my request to resolve this matter. 

15 U.S. Code 1681 ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;

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 2023-03-05 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am frusting because company is placing charges on my account that i am not familar, Please investigate and remove. I have been over 60 Days and the company is still reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
Overview : I am one of four beneficiaries to a family trust. My sister is a beneficiary and co-trustee. BOKF manages the trust and refuses to assist me in providing necessary funds that are seriously needed for living ( housing, food, clothing, medical expenses ). They refuse using the excuse that my sister/co-trustee must approve of it. She doesn't approve of it and has refused since XXXX, 2021 especially. Some money is provided which allows me to stay at a care facility for the XXXX XXXX which is a miserable place to live and I have had increasing problems living there, especially since XXXX, 2021. I am not required to stay there, I am not required to take medications nor do I even have a XXXX. I have been trying to move out of there since XXXX, 2021, and all attempts to do so have failed because my income from my work will not support living elsewhere and my sister will not provide additional funds from the trust to move out to an even minimally comfortable and adequate living situation. The trust is valued at over XXXX XXXX. I believe that with XXXX XXXXXXXX for a few months will be adequate to get my company going enough to provide self-supporting income. My sister has only permitted XXXX XXXXXXXX for rent at the care facility, and XXXX XXXXXXXX for additional spending money. I also receive XXXX XXXXXXXX or thereabouts from XXXX. My sister will not even permit sufficient money for food and clothing costs that has caused much difficulty and problems for the last year especially. The trust knows all about this and refuses to help. I will attach documents and online links to documents and emails with this XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a TD bank checking account online over seven days ago. Had my payroll check for XXXX deposited into my account. Transferred {$370.00} into the new account also. Debit card did not come and I needed some cash so stopped into the TD bank on XXXX XXXX XXXX in XXXX Florida on Sunday XX/XX/ at approx XXXX eastern time. I had to wait over one hour to speak to a teller who informed me I could not take funds from the account and that I had two charge off accounts one for XXXX and one for {$1000.00}. The one for {$67.00} I knew about. My identity was stolen from the unemployment system a couple of years ago. TD bank has never made me aware of this {$1000.00} balance and because of prior identity theft I dont even know if this debt is mine. The teller told me the only way to resolve the account was to pay this in full otherwise my funds are on hold and owed to TD Bank. my car is supposed to go into the shop Tuesday. My air conditioner broke in my car and I have two diseases. I think it is unfair of TD bank to keep this {$1000.00} without my prior knowledge of this debt. I want this refunded to my checking account. My rent is due and this has put me in a terrible position and I am sitting here with extreme XXXX. I am reporting this to the company who owns TD Bank. 

Prior complaint # against TD Bank was XXXX I have been asked why I Bank with TD bank and it is because I truly like TD Bank and the convenience hours on weekends and low account rates but all for these 2 situations I come back to this bank because I truly think it is one of the best in the area. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NV

Complaint narrative:
My checking chime account was charged by the merchant XXXX in XXXX XXXX with no consent or knowledge. I tried to dispute with my bank however my bank upheld the denial due to merchant providing a late transaction that I went to but not the recent one I never got services for. The merchant told Chime XXXX banking that I signed up for their membership that cost that much. However I was never told a membership had a fee or the website never stated that. The membership was free and the services was {$99.00}. Chime/XXXX  banking didnt investigate just went off based of what the merchant stated. 

Also I had a unsatisfied services for {$280.00} at XXXX XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX that I was confirmed by merchant they will fix and the merchant never responded back to me to fix it. Chime/XXXX  banking still upheld denial. After I sent proof of emails merchant was suppose to correct services and never responded. 

Chime/XXXX  would need to be investigated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : XXXX XXXX XXXX, has violated my rights. 
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 an 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 explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My federal student loans were consolidated into a direct loan in XX/XX/XXXX. They were serviced by the now XXXX XXXX. In XXXX they were then transferred to mohela. Mohela seems to have lost any and all records of my payment history prior to them taking over servicing of the loan. These missing payments have caused me to lose out on a significant refund on my student loan payments as part of the tepslf program. I've tried numerous times to get this information and they tell me there is nothing more to do. I've reached out to Ombudsmen, my congressman and other servicers and this problem still persists. I've been working on getting answers for nearly a year but no one can answer my question, where is the verification of my payments? Please help or direct me to someone who can! Thank you.

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