vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was looking for a sublease for 4 months and got into contact with XXXX XXXX through XXXX XXXX XXXX XXXX XXXX page around XX/XX/2022. She said that an apartment was available in downtown XXXX, and connected me to XXXX XXXX. XXXX XXXX contacted me and said that there was a furnished apartment available at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. She said that I had to pay the security deposit {$600.00} and first month 's payment, {$1000.00} upfront. I sent the money through XXXX, XXXX, and we signed the contract, providing that a sublease agreement has been created and that I could move in on XX/XX/XXXX. A few weeks later, XXXX XXXX emailed me, insisting that I had the pay the second month 's rent as well, saying that it was the landlord 's request. I refused because it was not specified in the contract. It was odd that she asked for the 2nd months payment ; I've never had a landlord asked me that. I contacted the numbers on the contract and they didn't answer. I found XXXX 's property site on XXXX, and when I asked to speak to their employee, XXXX XXXX, they said that she never worked there. I sent them a copy of the contract that I signed, with XXXX XXXX ' logo on it, and they said that it was a fake. They said that XXXX XXXX had nothing to do with this contract and that I got scammed. 

I contacted Bank of America regarding this issue and told them that this was a fraudulent transaction. They refused to return the {$1600.00} that was sent via 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below 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 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 explanation
Consumer complaint received 2022-09-07 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: PA

Complaint narrative:
Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, 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 non-monetary relief
Consumer complaint received 2022-09-07 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: VA

Complaint narrative:
The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 


The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: VA

Complaint narrative:
The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 


The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it 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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Received numerous calls from Credence. Once I finally called them back I was told I was delinquent in a medical bill dating back to XXXX of XXXX  from a doctor during an ER visit for my daughter. The doctors organization did not bill insurance ( that was provided ) and sent the bills to an address that has not been valid in over 10 years. This was all despite the hospital billing correctly and all correct information being provided. Debt collector refused to provide a debt collection letter and refused all payment except over the phone. Debt collector also refused to allow me to discuss with the physician services company that sold them the debt and demanded full payment to the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I contacted TD Bank 3 times today due to bank error fees I have received on my checking and savings. I was able to resolve the first issue with the first supervisor at approximately XXXX on XX/XX/XXXX. I also recorded our conversation in which XXXX reassured me that I would not receive an NSF fee because I was in - {$9.00} short after the check payment of {$270.00} came out of my account. 

However, the {$270.00} was processed and posted on XX/XX/XXXX at XXXX yestersday morning. But TD Bank reservsed this ACH payment that was already processed just to pay a gas station charge of {$55.00} that came in for processing at XXXX on XX/XX/XXXX. I have a problem with how they are processing these payments and not showing an ledger on my transaction history and on the app which is supposed to show these transactions in real time. When I logged in this morning my balance changed from approx. {$580.00} to {$890.00} within 5 to 10 minutes after the supervisor XXXX reversed my NSF fee of {$35.00}. This means that TD Bank refused to pay a ACH debit that was already processed and posted yestersday at XXXX on XX/XX/XXXX. Due to a bank error that was caused by them because there is more than enough funds to cover this payment. And if there wasn't enough funds to cover one of my transactions that does not give TD Bank the right to reverse a payment the was already processed and posted to pay a pending that came in afterwards. 

This is an accounting nightmare which makes it hard to balance my account and avoid any unnecessary bank fees. There were other pending charges that was paid first when they was charge after the ACH debit was processed. Therefore, this payment should have be paid and not reverse after the payment on XX/XX/XXXX and it's still showing posted today on XX/XX/XXXX. When I called a third time today about this issue 10 minutes after I just got of the phone with the supervisor XXXX. I was transferred to another supvisor that tried to convince me that their accounting is correct. The excuse she gave me, is because I opted out of their overdraft program. 

Which does not have anything to do with how and when payments are being processed. I have proof based on my ledger that TD bank had no reason to reversed a payment that was already processed and is showing posted. 

Due to TD Bank error not to push this ACH debit through today. I will most likely receive a return check NSF fee from my property management office, and a {$35.00} NSF fee from TD Bank. 

I am requesting a record be provided to CFPB to show when each of my transactions was processed and posted as of XX/XX/XXXX until XXXXXXXX XXXX  XX/XX/XXXX. These are the same shady tactics that caused them to be in violation in XXXX. 

This bank needs to be thoroughly investigated, and their accounting records audit. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting Experian 's faslefied response to the CFPB when they clearly are in violation of my rights under The Fairs Credit ACT 605b. Furthermore, in your response sent to email on XX/XX/2022, you stated the following reason for denial of blocking ; It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information You also stated the following A valid identity theft report is an official report specifically complain about identity theft that has been filed with an appropriate federal, state or local law enforcement agency, including the Federal Trade Commission. 

By you acknowledging that you received the official Federal Trade Commission Report to the Consumer Financial Protection Bureau on XX/XX/2022 and sending a letter stating you have NOT received a valid Identity Theft Report on XX/XX/2022 means that you have violated my rights under the Fairs Credit Act. I have attached copies of the CFPB response and a copy of the letter received from Experian on XX/XX/2022. I have sent a copy of this information to the Florida Attorney Generals Office as well as reported you to the Federal Trade Commission.

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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I do not have a PayPal account but they are trying to collect money from me. I have talked to them several times and when I talked to them a month ago I told them not to ever call me again. 
They started calling me again today. I view it as harassment. I am almost XXXX years old. 
In my previous conversations I found out from them that someone opened a business account using my name and my social security number and my address and phone number. The email address associated to this bogus account was not mine nor is the associated bank account. They claim they deposited money in the associated account ( but it is not an account of mine ) and sent me an email again not my email account. 
They are trying to collect from me nearly {$800.00} I do NOT have an account with PayPal nor I have I ever received any money from them. I told them to go to the associated bank account -I think they said it was in NY XXXX I live in XXXX and I am XXXX  and DO nothing with PayPal. They have a bank account number so they need to go to that bank and leave me alone. The associated bank account has the name of the person who received the money and it was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below 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 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I just reviewed my credit report and there are some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 around XXXX XXXX XXXX I was unable to sign into my account using www.bankofamerica.com/eddcard. I called Bank of America at XXXX. Transferred to tech support and they were unable to resolve the issue and have escalated the issue for resolution. 
See attached log of process that took place.

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 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
A debt collector by the name of XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of LVNV Funding LLC. The original creditor is listed as XXXX XXXX. XXXX uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, LVNV Funding LLC can not sue you for it. '' They also stated : " Because of the age of your debt, XXXX will not sue you for it. '' These two quoted statements show that XXXX and LVNV Funding both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : 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 

At a minimum I want both XXXX and LVNV Funding to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I was victim of Credit Karma offering me pre approval for credit cards and then not getting approved which caused hard pulls on my credit and damaged my credit score even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear XXXX XXXX : I have called and left a message at the number listed in In response to # XXXX. I have. not been able to reach you by phone or email to further address this concern. It is not resolved. 

All credit reporting is voluntary and historically has been according to the CFPB and 15 U.S. Code 1681. Consumer reporting agencies assumed this role, no one from government appointed them to do this. An elaborate mechanism was developed. You have no authority to say that this voluntary reporting of my nonpublic personal financial information can not be opted out of being shared. 

You mentioned that you will be sending copies of statements. Please do not send any deceptive forms as that may be considered mail fraud. 

I ask that you send validation of debt according to 15 USC 1692g. As a consumer, I am aware that this is an alleged obligation that has yet to be validated pursuant to federal law.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX M & T bank called me and stated my account was hacked for {$2000.00}. I took the rest of my money out and M & T staff told me to file a police report. I did file the report and never heard back from the bank or the police.

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 2022-09-07 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: CA

Complaint narrative:
I submitted dispute and keep getting denied all these accounts are not mine there fraud all the inquired are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I had a card with XXXX for ten years, never once missed a payment. XXXX took over the account in I think XXXX this year. I did not have access to any account when XXXX stopped taking my payments, and the account was transferred to XXXX. I did not receive a way to pay through " XXXX '' and all my calls were on hold for over an hour, dropped, mis-transferred ( with laughing person on line and led to a transfer that was a message to call again later ), and once I even got a message ( which i have recorded and saved ) stating they were sorry no one was available to take payment, that no negative payments would be reported to credit bureaus, and to call back again with a disconnect. I received notice from XXXX XXXX that I was reported for late payment in XXXX or XXXX, when I could not make a payment after trying so many times! I have submitted disputes to all the bureaus, and a letter back from XXXX from my goodwill request that they would not honor my request to remove the late payment reported. I had thought it was just taking them time to " transfer '' I have sent them multiple letters requesting to remove the late payment, and finally was able to get someone to take the XXXX dollar payment ( all that was due ) and closed my account with them. I was never even able to get my card activated.

Company response to consumer: Closed with non-monetary relief