vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Td Bank has disabled my XXXX account somehow since I change phone numbers Ive had to call about 18 times no one can help me I have called the main branch. I have called their customer Support that specifies for XXXX. They told me they would mail me checks and then they tried to charge me {$73.00} to expedite the checks.. They told me to use a different service I tried to use XXXX and they declined my XXXX transfer and they are just making it absolutely impossible for me to use my standard form of payment to pay my rent which is now a week late. I am devastated that no one can help me. Theres absolutely no one. That knows what theyre doing there and they can help. I am XXXX XXXX XXXX and the nearest bank to me since I moved is XXXX miles away, and they have actually told me at Td Bank to go into a local branch and when I tell them how far away it is, they say OK well go into the local branch these people do not care at all and habe offered no help whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
My account appeared to be frozen on or around XX/XX/XXXX which I notieced when trying to pay for a purchase with XXXX. XXXX said the payment was denied. I then noticed in my email that the payment went through although the account was still listed as frozen. I called Venmo on the XXXX to ask why. They said they sent me an email notification but I have searched my mail and could not locate such a notification. I submitted a request/complaint in writing on the XXXX and called customer service. They said their account review specialist would respond to the concern within XXXX  days. That seems unreasonably long to tie up someone's money. I then called and submitted another request/complaint in writing on XXXX and upleveled the concern to a customer service supv who said again the review specialist would respond within XXXX  days - only this time, he tells me that it was NOT submitted for review until XX/XX/XXXX when I called- not when they froze the account. Something is not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as I have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting.

1. Under 15 USC 1666 Billing Error XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity along proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: SC

Complaint narrative:
The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions 18 U.S.C. 2314 Tax Stamps Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reaching out to follow up on my previous communication regarding the settlement of this account and to request its removal 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I PURCHASED A VANIILA GIFT CARD FROM XXXX ON XXXX XXXX  I FILED A CLAIM FOR unauthorized transactions on the gift card, after noticing the funds were used upon checking the balance on my gift card. on XXXX XXXX XXXX the company sent me a letter stating after their investigation they verified my card was present during the time of the purchase. I then called incomm payments.vanillagift.com on XX/XX/year> and asked them to email me or mail me the investigation summary and what they used to determine my card was present because my card was not present at the time of this purchase.I also explained to the rep that I am out of XXXX dollars based on this unauthorized transaction. The rep stated he had no papers to mail me and to refer to the letter sent to my email. I asked to rep to reopen my case and ask for a reconsideration since I have no way of recovering my funds that were stolen from me, he stated he could not reopen the case and this was their final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-02-06 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I recently viewed my credit report and noticed that there were accounts reporting on there that I do not recognize.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are three addresses that are being shown as connected to my social security number. They are XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX let me know that they are all connected to Capital One but Capital One is saying the last one they don't see as connected to me. I have never lived at these addresses ever and XXXX has removed them from my report but told me I should contact you guys to let you know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I received a summons for this account without any previous communication from them. In addition on the very same day they filed suit they mailed a settlement letter giving XXXX  days to settle. The letter was back dated but the post mark clearly shows it was mailed the same day as they filed their lawsuit so they had no intention in honoring their settlement offer or allowing the XXXX  days to settle or negotiate.In addition I have tried to contact this so called company on multiple occasions only to be told only XXXX agents are handling this account and the XXXX agents are never available and will return my call but they never do. 
This company is using underhanded tactics and have committed multiple FDCPA violations.i will be asking for the lawsuit to be dismissed and for Arbitration per the terms and conditions of the contract that governs this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize these companies to run my credit. 

XXXX XXXX XXXX ( Miscellaneous ) XX/XX/year> XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) 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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a client of JP Morgan Chase bank. On XX/XX/XXXX, I submitted a wire transfer in the amount of {$35000.00} to an account I wired money to previously. This is an XXXX bank in XXXX XXXX. The beneficiary in XXXX XXXX has yet to receive the funds. I was told by my bank Chase that a hold was placed by the intermediary bank, XXXX in the US. I have answered and complied with all questions by XXXXXXXX XXXX. I filed a complaint against them with CFPB and their investigation determined they sent the wire the same day it was received. Chase wire investigation says otherwise. Someone either has no idea what is going on or just does not care. We need this resolved immediately and someone needs to be held accountable for their actions or lack there of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I called Experian on several occasions dated XXXX XXXX and XX/XX/XXXX  to have incorrect/transposed legal names removed from my Experian credit report. I have also filed couple CFPB complaints trying to correct this issue with no success. 
Experian is declining to remove incorrect names records stating they did a reinvestigation according to the 15 USC 1681. Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my right under 15 USC 1861. According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy. According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian stated over the phone that the information they have is correct as per the " Credit Card '' companies. The only name I provided to my creditors is XXXX XXXX XXXX XXXX which have provided a copy of my SSN card and State Driver License proving my true legal name. Even after several attempts to have incorrect names removed, Experian is still showing several incorrect names and they still are refusing to remove the incorrect names. Experian keeps saying that they are getting these names from the creditor and that I need to contact the creditors to have the information corrected. As per the law, they should not be reporting incorrect information on my credit report but they still are and they are justifying breaking the law by saying the creditors are sending them the information.

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have placed XXXX separate phone calls to MOHELA since XX/XX/XXXX. On that date, I requested a refund for XXXX payments I made during Covid, totaling {$4000.00}. I was also going through the PSLF process. On XX/XX/XXXX, a MOHELA customer service agent told me that XXXX of my XXXX loans - XXXX XXXX and XXXX XXXX - were forgiven and discharged retroactively on XX/XX/XXXX. She said I would get a refund for overpayments : {$3700.00} for Loan XXXX XXXX  and {$4500.00} for loan XXXX. I have not received any refund. Each time I called MOHELA, I was on hold for more than an hour and they could only provide limited information. I called yesterday and today trying to reach an " advance agent '', but was repeatedly placed in a queue answered by customer service agents who said they were not advanced and could not help. I requested to be transferred to a supervisor and the request as denied. I am owed more than {$12000.00} and it has proven impossible to obtain information from MOHELA about these refunds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.

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 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt under 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. 
VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed under the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and allowing me to opt out under 15 USC 6802. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. 
IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter from Midland Credit Management concerning an credit card account through XXXX ( dated XX/XX/23 ). I did not open this account and had not received any bills, notifications or phone calls regarding its existence. I am a victim of identity theft. I called Midland Credit Management and asked for information concerning the account including where and when it was opened and how a fraudulent account was opened in my name. The phone call was just accusatory. I then mailed them a certified letter on XX/XX/23 asking for this information in writing and stating that this account is a result of identity theft. They mailed me back a statement on the card, but no account number and no photo of the person opening the account. I have filed a police report, and FTC fraud report and notified all XXXX credit reporting bureaus and placed fraud alerts on my account. I will be placing a freeze on my credit as well. I have contacted the XXXX bank and told them the account is fraud, but they refer me to Midland Credit. I am enclosing a copy of the account statement from XXXX it shows that it was mailed to a very old address- where I have not lived for over 7 years. I am also including a copy of my FTC Identity Theft Report and the police report that I filed locally. I work hard to have good credit and want to keep it that way.

Company response to consumer: Closed with non-monetary relief