vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
After an overnight Hospital Stay, there was a disagreement between my insurance company and the providing hospital. As I worked with my insurance company, correspondence from the hospital stopped and I assumed the issue was resolved. There have been a series of phone calls ( I have 3 recordings on my machine ). The calls were very obtuse, never noting who they were, who the creditor was, it was only threats of further action. The calls sounded like a scam especially seeing that I have no outstanding debt that I was aware of. I have never received any documentation from Benuck & Rainey until I saw the hits on my Credit report. I did send my contact info to their web site on XX/XX/XXXX and I am still waiting for a response. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Penn Credit Corporation
State: FL

Complaint narrative:
Original Creditor : City of XXXX XXXX Current Creditor : Penn Credit Corporation Account has been reflecting paid off 100 % since XX/XX/2021, however, it is still showing as a collection on my credit report. The negative information is stopping my ability to obtain and acquire new credit. My request is that this false information is removed. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: GA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota motor credit is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with Toyota motor credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
I received a letter and XXXX bank statements from TD Bank. I have never banked with them and did not open any accounts with them. The letter I received was informing me that one account was over drawn. I contacted the banks fraud department to report that I am not the one that opened these accounts. They did not ask me for any identifying information just the account numbers on the letters and then told me I would here back from them in 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Debt Buyers are organizations that purchase credit card debt for a negligible amount of cents on the debts face value ( e.g. 1 to 6 cents/ dollar ). Some DBs execute intimidating and coercive legal campaigns in pursuit of debtors who are mostly decent people but due to personal crisis, bad luck, lack of education, improvidence, etc. are in the throes of a financial XXXX  hole. These unsophisticated debtors clearly are unable to afford legal counsel, forced into an indefensible pro XXXX position, and aggressively pursued by rapacious, predatory collection law offices with their unconscionable legal maneuvers to acquire exorbitant profits. 

Specifically in my matter : Initially, I had a conversation concerning my debt situation with the collection agent to advise of my poor financial situation ( no income, no assets ) precipitated by a $ XXXX embezzlement and discuss options ; the response was a cold Well, well just have to see what the judge says. 

Upon receipt of their pre-trial summons, being in that financial XXXX hole, I bothered a dear friend, XXXX, a retired attorney, for his pro bono assistance. He contacted the plaintiffs legal team on my behalf ( with PoA per plaintiff attorneys demand ) and initiated settlement talks. Ref. email thread dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Copy PoA doc During on-going negotiations, I asked XXXX if I still needed to appear at the pre-trial to avoid any default for failure to appear. He responded, NO, they are postponing the pre-trial as we were involved in settlement communications. Ref. email thread XX/XX/XXXX, XX/XX/XXXX Time went by without any plaintiff response, or, in fact, any communication whatsoever. Then, upon receipt of, out of the blue, a copy of notice of appearance as attorney on behalf of plaintiff, dated XX/XX/XXXX, I did some research and discovered that plaintiffs attorneys surreptitiously did not postpone the XX/XX/XXXX pre-trial and, in fact, filed for and received a Default Judgment ( XX/XX/XXXX ) for failure to appear at the supposedly postponed pre-trial. NOTE : To this day, we have not received any notification or communication regarding the plan to file, the filing or date for the Default Judgment hearing. Ref. XXXX of XXXX of Appearance, email thread XX/XX/XXXX Under the superficial appearance of legality, this collection law firm used a sneaky, manipulative, coercive legal strategy that breeches principle and ethics for the sake of disproportionate, Falstaffian profit. At XXXX YoA with no assets nor income other than SS benefits, I am forced to live under the weight of an ill-gotten Court order with no hopes of correcting. This is abuse. This debt collection tactic is unfair, unreasonable and needs to be exposed and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: GA

Complaint narrative:
XXXX XXXX  is reporting that I owe XXXX, I ask for a billing statement or contract with signature on it, I was told they no longer had interest in the account & has since sold to a debt buyer, as of XX/XX/2022 Equifax and XXXX XXXX  are reporting that I owe XXXX XXXX  which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
XXXX was given multiple opportunities to clarify the terms of the agreement. 
All security interest and POA 's have been rescinded, they have failed to provide documentary evidence with in the allotted time frame.

I complied with 12 C.F.R 226.23 ( a ) 2 and provided Notice of rescission on XXXX XXXX. Sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

XXXX has FAILED to comply with Effects of rescission outlined in 12 CFR 226.23 ( d ) 2, as a result affiant has NO further obligation to MBFS pursuant to 12 CFR 226.23 ( d ) 3. 

XXXX mailed their incomplete response on XX/XX/2022 More than 20 days after the above date of receipt, which directly violates 12 C.F.R 226.23 ( d ) 2.

because of a failure to provide previously requested documentation MBFS is in violation of 15 U.S. Code 1611 ( 1 ) for willful and knowing violation and failing to comply with my request for documentary evidence as defined in 15 U.S. Code 44.

I am hereby requesting that an authorized officer or agent of XXXX answer questions below, sign, notarize and return the attached affidavit within 30 calendar days of delivery of this notice or mail clear title along with the original promissory note to affiant at the address above, thereby resolving this matter. This is my FINAL good faith attempt to settle this matter and clear up any confusion about the terms of the alleged loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice and regarded as tacit admission. The affidavits included are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer expert witness testimony should court proceedings be necessary. if XXXX or its representing agents refuse to answer these questions with detailed specific answers, affiant will presume that there is a concealment of material facts and that the promissory note has been altered and stolen and that the alleged borrower provided the money that the alleged lender claims was lent to the alleged borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: IL

Complaint narrative:
LONG BEFORE I FILED THIS REPORT I CONTACTED THE 3 BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX AND XXXX THAT MY SSN WAS INVOLVED IN A XXXX DATA BREACH & FOUND ON XXXX XXXX XXXX AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE XXXX XXXX  XXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I took a loan out XXXX XXXX. XXXX XXXX XXXX. XXXX LOUISIANA. I PAID THE LOAN OFF ON XX/XX/XXXX FOR XXXX TO XXXX XXXX XXXX LOGGED IN AS XXXX XXXX. ON XXXX XXXX A UNAUTHORIZED CHARGE OF XXXX TAKE FROM MY ACCOUNT UNAUTHORIZED. REPORTED TO CAPATIAL ONE BANK THEY GAVE ME CLAIM # XXXX. 
I REQUSTED CAPITOL ONE TO GIVE ME TO FRAUD DEPARTMENT BUT AFTER 6 WORKING DAYS STILL HAVE NOT RECEIVED ANY HELP FROM CAPITOL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have applied several times for the PSLF loan discharge program for my federal loans serviced by XXXX. My employer qualifies- and I have been making payment since 2004. The original denial was because I was not on an income sensitive repayment plan - however, with the recent Executive Order, I was instructed to transfer my loans to FedLoan Servicing. I transferred my loans from Navient to FedLoan - and now am being told that I have only made 4 qualifying payments and they are not counting the 204 payments that I have made to XXXX. The guidance issued after President Biden 's order was that borrowers needed to transfer their loans to FedLoan to be considered for the PSLF program. 

This is absolutely unacceptable - as is the fact that XXXX locked me in for 6 % interest for the life of my loan and I was told that they would not sell the loan to another financer. Yet another hurdle in dealing with the predatory practiced of student loan companies that service loans for individuals like myself that would not have been able to attend college without federal assistance. I borrowed {$45000.00} and by the time I finish payments- I will have paid back {$99000.00} in hindsight, I should never have accepted the federal aid. I have already paid back {$72000.00}. This is beyond predatory - and these loan forgiveness programs seem to allow the federal loan servicing companies to skirt around forgiving these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am trying to close my HSBC checking and saving accounts because I do not want to be migrated to XXXX XXXX. Unfortunately there is no way to contact HSBC. I have been on hold with hold with all three available options ( phone, chat and apple messages ) for an hour now. I strongly suspect that they have shut down communication to avoid mass exodus of accounts in order to boost their sale numbers to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello, I was a victim of online hackers. They hacked my bank account and Coinbase account. The hackers transferred thousands of dollars in funds to Coinbase then Coinbase approved over 20 something fraudulent transactions in less than minutes, they transferred funds to XXXX XXXX and neither companies will respond by help desk nor email. Coinbase will not answer any emails, they dont have a live customer support. We have yet to receive a response from Coinbase. 

Coinbase failed to secure my account against unauthorized crypto activity and has no protocols in place to flag fraudulent transactions, they still have not even froze my account. This has been a very frustrating and emotionally depressive situation, I lost all my hard earned savings in minutes. I read online about possibly joining a Class Action lawsuit against Coinbase. Please if theres any info you can provide some legal advice I would greatly appreciate getting on a call with someone who can help. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Currently dealing with Wells Fargo Bank in XXXX XXXX California, I am writing this because on Tuesday XX/XX/XXXX I filed a dispute for 16 unauthorized transactions totaling up to over {$2000.00} on my Debit Card. It is now XX/XX/XXXX and I have just gotten off the phone with the Fraud Department for Wells Fargo ( I called to check the status of my claim because I hadnt heard anything ) the Gentleman proceeded to explain to me that he is not sure if my claim will result in me getting my funds back, the only thing he could assure me of was that my claim would come to a decision in 4 business days which would be XX/XX/XXXX. Im writing this to try and get my funds back as quick as possible as this unfortunate event has left me with {$0.00}. Unable to provide for myself or my family for the time being. I am sick to my stomach about this matter and I just want it resolved. Please help. Thank you

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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Started a bankruptcy in XXXX started paying trustee in XXXX couldn't afford the bankruptcy and the auto payment so I fell behind. Auto loan is not under XXXX  so tried to get on an agreement they wouldn't work with me said I had to go through XXXX XXXX and file a court document to get on a 6 month pymnt plan. XXXX XXXX said I shouldn't have to and didn't want to but did anyways. We got a written agreement to pay XXXX a month starting XX/XX/XXXX. I paid the amount on XX/XX/XXXX I have an email confirmation. They attempted to repossess my car on XX/XX/XXXX. The guy felt bad gave it back after showing proof of agreement. I had contacted XXXX he contacted lenders XXXX they said it was a mistake. Then thought nothing. Then car gets repossessed on XX/XX/XXXX without my knowledge. Now lender is saying my agreement is not valid. When it's in writing and it feels like it has been stolen from me. I would also not be so behind if I was aware the agreement wasn't valid as well as make sure it didn't come to repossession and have to pay a repossession fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My partner and I have a XXXX safety training business, we've been in business for 8 years and have always used Paypal ( my partners account ) for student enrollment Since my partner is retiring, I opened a Paypal account since he wont be part of the business. 
I opened the Paypal account to aid in my online firearms safety teaching student sign ups. I figured it shouldn't be a problem since we have used them for the past 8 years. 
I opened the account on about XX/XX/XXXX XXXX students immediately started signing up for classes and paying thru Paypal XXXX Once the class was finished on XX/XX/XXXX, I proceeded to make a transfer of the class fees to my checking account. suddenly i noticed that my account was frozen for 6 months suspicious activity. I immediately called Paypal, I finally talked to a representative and was not given any explanation for the freeze. They claimed that they didn't have to give any explanation and refused to release my funds. I'd appreciate any assistance that you can give regarding getting my funds released. It's not a huge amount of money but, I'm not a rich guy! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr cooper my loan servicer stated I can only utilize 17 months of forbearance According to the CARES ACT I'm suppose to have 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
Mohela keeps placing my loan in forebearance although I specifically contacted them and told them not to. They are not applying interest hoping to capitalize my interest. They are also posting payments late.

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