vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I XXXX XXXX had my TD savings account, password, and phone changed accessed and funds transferred to two additional accounts, one savings and one checking opened, the suspects, transferred {$500.00} from my savings into the new savings on XX/XX/21, and then proceeded to move approximately {$11000.00} into the new fraudulent checking account, I was notified of the incident at work by Fraud Resolution on XX/XX/21 via telephone, and proceeded to the XXXX XXXX, NJ branch, to close the fraudulent, and existing accounts to open a new one, the money thankfully was not removed from the bank, and the incident was turned over to XXXX XXXX  according to bank employees, pending investigation. 

I have also been compromised with my XXXX  XXXX savings account, a additional checking account, as well as, phone number, address, and password changed, the suspect was able to transfer funds {$2000.00} from my savings into the fraudulent account created, these funds too were detected before being removed from the banking institution, it should be noted that while on the phone with a rep from XXXX  XXXX named XXXX, she informed me that the suspect was making a attempt to transfer {$100.00} from my XXXX  XXXX account that he fraudulently opened, to my now closed TD savings account.

I have contacted the three credit bureaus, social security administration, as well as my other banking institutions, in addition to filing this report with FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 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: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts have been reporting to consumer reports regarding an alleged debt of {$21000.00} without written or oral consent. This is unfair and unjust. I dont owe this debt and this debt isnt valid. Pursuant to 15 usc 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 usc 1692c I have sent cease and desist letter as well as a debt validation letter and this company has not complied with my requests, Pursuant to 15 usc 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to Experian on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through Experian and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my Experian account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.

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 2021-06-13 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: Netspend Corporation
State: TX

Complaint narrative:
NetSpend is asking me to show all this verification like my bank like my ID my social security card my bank statement To take this block off my car so I can retrieve my funds.

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 2021-06-13 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: FIRST HORIZON BANK
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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:
I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.

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 2021-06-13 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:
I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
My wife XXXX and I took out a personal loan last XXXX with One Main Financial and decided to take out the insurance for unexpected loss of our job. This XXXX I lost my job and put a claim on my insurance. The insurance stated that I need to get a written statement from my employer and the state unemployment office in order to use the insurance. When I explained that I am not able to get either my old employer or the unemployment office to fill out any paperwork they then told me that I needed to send them my financial determination to them from the unemployment office. I sent them the financial determination letter and the claim worksheet process that I received from the state of New Jersey. They sent a letter back and stated that this does not qualify for unemployment and that they wanted to see either my bank account statement showing deposits being made or a print out from the state showing that i am getting unemployment. Since we are in a pandemic and unemployment is so backed up, I am not receiving any unemployment money at this time. If i was receiving unemployment I would not be using the claim because i can the payment. After this I canceled the claim from One Main and told them that I would like a refund of the unused insurance. They proceeded to tell me that when I cancel the insurance, that the money would go directly to paying the loan. My loan is not late nor is it default and when i talked to the One Main office branch in XXXX PA I was told that the insurance money would be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Consumer Adjustment {$1400.00} XX/XX/XXXX I have never been to Louisiana somebody use my Identity to get services there please remove this from my credit 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 non-monetary relief
Consumer complaint received 2021-06-13 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: WI

Complaint narrative:
Equifax still reports a collection account even after I submitted proof of payment from the original creditors. I opened up an investigation and attached the proof of payment and they came back saying the information reported is correct. How can they do that? Dont I have rights over my own credit file vs a unreputable collection agency. 

Also they dates reported as the actual debt are wrong. Debt was from 2014 and shouldnt even be on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: LA

Complaint narrative:
On XXXX XXXX2021 a collection account from KINGSTON DATA AND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was reported on my transunion credit account without any attempt to contact me through phone or through mail about the debt. This is an old gym membership that closed and went out of business. I have tried to contact the number reported on my credit account and the number is out of service. Havent been able to contact this company to get this issue resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
My mortgage got transferred to Flagstar Bank recently. My previous mortgage servicer had all the insurance documentation regarding my community. Instead of getting the documentation from my previous servicer, Flagstar bank has sent a letter to me requesting the info. The sad part is you can't even upload the documentation thru website. I called customer service and it took 30-45 mins to route the call to an agent to understand what documentation is being requested. Also, the address in the document where Flagstar bank is requesting is a PO BOX and doesn't appear to be a legitimate address.

My concern is this bank might be running a scam by sending letters like this and then fraudulently signing up customers to insurance that is not needed. I'm not comfortable with the way in which the insurance documentation is requested with no proper means to collect the documentation.

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Good morning my name is XXXX XXXX. I am contacting this office because there has been incorrect updating that has been affecting my credit score. The negative impacts have been impacting me in a negative way in my current milestone I am trying to reach. I am currently buying my first new home and my credit has been an outgoing factor that has been causing a lot of stress during this time. My mother XXXX XXXX has added me to her capital one and XXXX XXXX credit cards which have been helping my score. Her score keeps increasing and it seems mine is taking quite some time or for instance decreasing which is why I am doing complaint. The issue that is happening is that my mother paid off a significant amount of the balance that was owed in both of these credit cards which made her score increase but not mine and now my credit decreased which has not happened before it always increases my score. My credit score was at XXXX and it decreased to XXXX from XX/XX/XXXX until present date. If your office can kindly review my account and complete the changes that need to be done like updating correctly so my score will stop being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Reliant Capital Solutions, LLC
State: IA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX is trying to collect on XXXX XXXX  that were not included in the Cares Act. However, all of the loans I have are supposed to be in forbearance. I was contacted by a collector via email about loans for them and XXXX XXXX. There was no notification that it was a notice to collect a debt/ to verify the debt, so even that practice is not being followed. As someone who has been hospitalized for their mental health over student loans, talking about which actually makes the schools and other alumni bully me, I did not want contact from them to collect a debt as it triggers my XXXX. So, when they run rampant and collect freely, they have no concern for anyones mental health ; its just the school wants their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Step 1 : What is this complaint about?

My Privacy has been violated.

Step 2 : What type of problem are you having?

HIPPA Violation Step 3 : What happened? 

On XX/XX/2021, I received verification of a medical debt from collection agency, Medical Data Systems Inc., which included my private medical records detailing services I received as a patient. I did not sign a HIPPA release form authorizing XXXX Hospital to release these private health documents to Medical Data Systems Inc. 

Step 4 : What company is this complaint about? 

XXXX Hospital

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 2021-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
Good Morning, Im unable to withdraw my money from a cryptocurrency trading platform called Gemini. I have contacted them through email multiple times with no reply back. 

When I try to withdraw my money I get the same issue for weeks now. Pending Verification. They were able to take my money though. 

I appreciate any help getting this issue resolved on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I made a purchase from XXXX XXXX XXXX Item not received or installed. They credit TV back but not the installation that never took place. I called the bank to dispute this charge and was transferred too msny tme with lack of knowledge and hearing problems from the representative for the bank. 

Tv not received Installation never received

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 2021-06-13 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: LA

Complaint narrative:
I have submitted proof on several occasions to Equifax that the account with XXXX XXXX XXXX should not be listed as a paid collection but instead deleted. The company said they would delete because the account was not properly verified. I submitted proof of my CFPB results of which I am doing now and they continue to falsely say the company says they verified the account is being reported correctly when I have proof attached that it is not.They are the ONLY bureau reporting this inaccurate information and I plan to take further action if this is not resolved this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: AL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Someone took my wallet, and other merchandise at XXXX XXXX XXXX about 3-4 weeks ago. I have had my cards compromised, and as a result, my XXXX XXXX XXXX  has been taking as well too. I have a credit card thru apple goldman sachs. I have paid over {$1000.00} dollars in the past two to three months paying triple the amount of the monthly limit, and now they will not activate my card knowingly I dont have my XXXX, and even when I had the phone will not unrestrict the card because XXXX XXXX and his family have been slandering my name, causing complete madness in my life out of jealousy and greed. I cant get goldman sachs to unrestrict my account because they keep telling me the only way to unrestrict the lost card which they replace for me three days ago is to verify my indentity thru my XXXX which I cant do because somestole that device, and now they keep threating me to pay and yet will not allow me too use my card when I have XXXX left revolving credit out of people, XXXX XXXX, XXXX XXXX, and XXXX XXXX have stolen my passwords by installing wifi cameras in my office, and have slandered my name so bad that they will not unrestrict my card unless I give the a temp pass code sent to my XXXX knowingly it was stolen with my wallet. I have called numerous times too goldman sachs thru my business telephone number XXXX XXXX XXXX thru XX/XX/2021 thru XX/XX/2021. They make me verify my identity over and over and never unrestricting my account and giving me access too my credit card so I can replace my phone, pay my liabilities too my business, and purchase the home that I was in the process of buying from my sister fiance name of XXXX XXXX. His siter and cousin have tampered with my business accounts, have put cars in the garage so I can operate my business and have tried too make me fail, and now have tampered with my personal lines of credit and will not allow me too use my card trying too make me fail, and goldman and sachs will not listen too me.

Company response to consumer: Closed with explanation