vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XXXX XXXXXX/XX/2023 my XXXX and I entered the Ashley Furniture XXXXStore at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After browsing and finding a bedroom set we liked, we decided to purchase that day. Our sales representative, XXXX XXXX, assisted us with the purchase and asked if we'd like to finance the furniture. We told him that we were NOT interested in a store card, or a XXXX  card of any kind. XXXX assured us XXXX XXXX XXXX times that the financial product offered was NOT a XXXX card of any sort, but an interest-deferred personal line of credit through XXXX bank akin to a car loan or personal loan. This was not the case, and XXXX XXXX mislead the XXXX XXXX XXXX XXXX was selling on behalf of XXXX Bank for Ashley XXXXStore 's and his own personal gain/commission. 

After providing my personal information to XXXX and XXXX XXXX to open the personal line of credit, I started to receive notices of a new XXXX card hitting my credit report In the coming days/weeks, with 100 % utilization at that. I never provided affirmative express consent for opening a new XXXX card with Ashley XXXX. I currently have other cards with far larger limits and better spending benefits I would have used instead had not been mislead by Ashley XXXX and it's employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to Transunion, XXXX and XXXX. I need this loan to report XXXX on my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a Bank of America business cash award credit card on XXXX Reference number # XXXX it got denied and regardless of the reason being denied I have the RIGHT to CREDIT, with them holding my access to my securities is security fraud and theyre violating the equal credit opportunity act & consumer credit protection act. The young lady didnt want to provide her name but the call was recorded and monitored and I told her to read to me where it say in the acts I could not be extended credit because of my credit history? She went silent then rush and gave me the reference number then disconnected the phone on me. I know Im entitled to credit regardless of my credit history this is the reason Im reporting Bank Of America lending team/department . 
Please help resolve the issue quick as possible thank you, XXXX XXXX attorney in fact for the all XXXX  name 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 2023-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Imperial Recovery Consultants, LLC
State: GA

Complaint narrative:
This company keeps calling for someone who isnt me and leaving a XXXX XXXX saying that there is a XXXX  waiting to be delivered. This is a clearly a lie to get XXXX XXXX to call them back. Im NOT that person, Ive blocked several numbers and this tactic continues for over a year. When I called back the number from a rerouted phone to tell them to stop calling, its IRC who picks up. I told them to take my number out and she hung up on me. I called back and she said I just spoke with you and I said yeah and you dont know what number to even take out Like stop harassing the WRONG PERSON and stop being shady about who you are

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these inquires 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 2023-10-05 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : AMEX Your Company as Violated my consumer rights.

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information.

15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy.

4. 15 U.S.C 1692 C, Section C 5. I am demanding this account be deleted within 7 days.

Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect Account incorrect I'm demanding that all inaccurate information be delete immediately I have attach a copy of the account in question that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate. 

Your company has 7 days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages.

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 7 days to delete all negative miss information causing harm to my credit report. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 RE : XXXX  Your Company as Violated my consumer rights. 

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information.

15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy.

4. 15 U.S.C 1692 C, Section C 5. I am demanding this account be deleted within 7 days.

Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect Account incorrect I'm demanding that all inaccurate information be delete immediately I have attach a copy of the account in question that as my accurate information.

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy.

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate.

Your company has 7 days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages.

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 7 days to delete all negative miss information causing harm to my credit report.

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
XXXX XXXX neglected to pay a claim for damages on my vehicle that was fully insured by XXXX XXXX. Due to breach of contract for not fulfilling their duty to satisfy my claim for damages on my vehicle. They fraudulently took money from me for insurance coverage and failed to provide coverage for damages made to my vehicle. I then canceled my policy for breach of contract and then this fraudulent entity adds a collection account to my credit report.Report. Causing me more harm and damages. XXXX XXXX is not owed any money from me. I am due monies to cover my claim from XXXX XXXX. XXXX XXXX needs to erase their fraudulent collection account off of my credit reports immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I am writing to ( reopen/ appeal ) dispute a charge of XXXX XXXX of {$2200.00}, {$2600.00} to my credit card on XX/XX/23 and {$130.00}, XXXX and {$220.00} charged to my credit card on XX/XX/23. The charges are in error because I did not receive the items that I order. The items were not accepted when delivery company XXXX attempted to deliver the items since the items were 2 months late and were procured through another source. 
I object to Citi closing my dispute as per your last letter you were still awaiting a response from the vendor XXXX, who has not substantiated the charges on my account and havent sent me an invoice. The original date of dispute must remain and you must resolve my dispute within the 90 days from the original date of dispute as required by law. 
The referenced items Kitchen appliance package of refrigerator, dishwasher, range and microwave including 3 yr warranties for each were ordered on XX/XX/23. Delivery of the items were promised for XX/XX/23. I called XXXX customer on the evening of XX/XX/23 when delivery was missed. They offered a {$300.00} discount for the missed delivery and provided another delivery date. The next delivery date was missed, as well as the next two times. I filed a XXXX complaint, they provided numerous misleading reasons why the items werent delivered. As well as directing me to the delivery company XXXX whom informed me that they didnt have the items and to contact XXXX . Ultimately, I procured the items from another source with the exception of the refrigerator. 
I contacted XXXX via phone and email numerous times, I requested an invoice and refund. They advised not to worry they would issue the refund in 5-7 business days. After I exhausted all attempts to receive the refund, I filed a dispute with Citi for the charges on my credit card. 

Upon receipt of the dispute Citi issued a conditional credit for the disputed amount and advised they were waiting for a response from XXXX. In a letter dated XX/XX/23 Citi reversed the conditional credit and determined that I was responsible for the dispute amount because I failed to a prior letter. At no point did XXXX verify the charge or make contact with Citi. Citi reported the disputed amount to the credit Bureaus and my credit score was significantly impacted in a negative way. I responded with a letter via email on XX/XX/23 and XX/XX/23. 

I advised Citi that I'm confused as to why the disputed amount isn't conditionally applied to my account, I don't know what amount i'm responsible to pay and the harm done to me by the reporting of the erroneous debt to the credit reporting agencies. No relief was provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I purchased a software on XX/XX/2023. I have been trying to get this software to work properly for almost 2 months now and it has been a glitchy and buggy experience for the entire time. There will be times when the software works properly, but most times I am experiencing slow or delayed loading times, connectivity issues, or the software closing at random times. 

I have tried to perform troubleshooting provided by the seller of the software but it hasn't resulted in any major improvements. Overall, this software purchase has been a source of significant frustration and disappointment. It has not met the expectations I had for it and I am left with a product that is both unusable and a financial burden. 

I have opened a dispute with Wells Fargo today, XX/XX/2023, but I wanted to post here as well as I have seen online that Wells Fargo may be difficult to work with or have very long response times. 

Please help me with this charge as I just want to be done with this entire process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: FL

Complaint narrative:
I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. XXXX NEW XXXX ACCOUNTS HAVE BEEN REPORTED ON MY CREDIT REPORT WITH XXXX ONLY AND ACCORDING TO 15 US CODE 1681a XXXX XXXX XXXX THESE XXXX COLLECTIONS ARE IN VIOLATION AND CANT BE ON MY CREDIT REPORT XXXX PARTNERS AND THE ORIGINAL CREDITOR IS EMERGENCY RESOURCES GROUP IN WHICH XXXX XXXX ACCOUNTS HAVE ALREADY BEEN 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 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My loans were moved to MOHELA as part of the XXXX XXXX program. I do not want to default again but when I log into MOHELA, it shows that I have XXXX balance even though studentaid.gov still lists my student loan debt at over XXXX. 

If I can't pay in XXXX, I'm going to be punished for MOHELA 's inability to process my loan information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crow Creek Sioux Tribe
State: WA

Complaint narrative:
I'm trying to gain access to a loan I took out with River Valley loan. I've tried multiple times to log online to my account including resetting the password and trying from another browser. When I reach out via phone to them they said they reset my login and suggested I try again. I did and again nothing happened. At that time I tried to reset my password, I also tried using my social security number nothing happened and using another browsers. I'm trying to under my loan agreement, including how many payments, how to pay off early and why I'm being paying {$2000.00} for a {$400.00} loan. So when I asked for a copy of my loan agreement they said that they are unable to send me a copy, apparently they only provide you access at the initial loan set-up that is it. 

At the time of my call with them the first gentleman was named XXXX XXXX I spoke to next was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Servion, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX : Online account that I was told was fixed so I could make payments was not fixed. So even after they said they addressed it, the next month it did not allow me to make a payment and they had to fix it again. 

XXXX XXXX : Had to e-mail again because auto payments did not come out. They stated that they reformatted their website and auto payments wouldn't work until you set up a new account. ( my mail from Servion is always severely late as well ). 

XX/XX/XXXX : Another auto payment did not work. They said not sufficient funds. Gave me a fee ( which they wiped ). But I showed them my account that had well over the amounts needed. 

XXXX Tried to make an online payment since the auto payment didn't go through. It said I can no longer do that. That I have to pay through certified funds only. 

Even after all this on my account online it still shows as my payment is scheduled for XX/XX/XXXX. I am attaching that which I just viewed XXXX at XXXX after already talking to them. 

There is far more situations like this but those were over phone calls. So these were just the dates I could pull up based on the e-mails I had.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation