vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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:
-I spent time comparing and contrasting across credit bureaus and under several different programs.

-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes.

-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports.

-I have spent time reading the general summary of rights under FCRA -I have taken time to place Fraud alerts for the misuse of my personal information. 
-I spent time investigation my local & state consumer protection rights.

-Reserarching forms from the IRS -Having the form 14039 Identity Theft Form submitted to the IRS -Police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Pacific Rim Alliance Corporation
State: AZ

Complaint narrative:
I contacted this company in XX/XX/2022 because I was out on medical leave, was Robbed, also had to get my engine of my car repaired at the cost of approximately XXXX dollars. I was told in XX/XX/2022 that they would stop the interest on the loan. I believe his name was XXXX in the collection department. He told me they would. Well I made a payment of XXXX on XX/XX/2022 only to find out the guy lied. Interest was still accumulated and it just restarted my loan all over again. I called the store on higley to have district XXXX call me. He did call and was to call me back once he spoke with collection department. Then I got covid for the second time in XXXX. I called on XX/XX/2022 to make a solid payment arrangement now that I'm back on my feet and was told it was in the litigation dept. So I called XXXX and spoke with her. She gave me the balance of XXXX and some change and told me it was to late. Well I check with the courts and nothing has been filed as of XX/XX/2022. Also at the time I spoke with XXXX I believe my balance was XXXX and now it's XXXX. I'm trying to make good on the loan but being told I can't even make a payment or set up a solid payment arrangement. To me this is unfair. I have also not received and letters to my address. This is unfair practice.

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 monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
In XXXX of XXXX I sent national credit systems a letter to validate a debt that was placed by them on my credit report. I did not receive a response back until XX/XX/XXXX, which was basically a discounted offer. I replied back in XXXX that they failed to validate this alleged debt that I do not owe. In XXXX they sent me another statement that is absolutely inaccurate, The " rental agreement '' they sent shows I moved out on XX/XX/XXXX. However they are trying to charge me rent from XXXX. I did not live there at that time and my balance was cleared to a XXXX the date I did my final walk-thru with the agent there at the time, Also Ive included the rental agreement they sent, on page XXXX I've highlighted where they CLEARLY ALTERED this document. You can see they whited out the area and typed in XXXX. 

This debt is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Dear CFPB, All banks in XXXX allow payment of checks based on deposits. 

I deposited a simple check of $ XXXX. TD placed a XXXX business day hold on my check. 

I needed the money urgently. I tried to cover by transferring money. Now, TD charged me {$15.00} wire fee. 

This has happened more than once... .where I put money to cover some payments but for no reason TD 's staff placed a LONG LONG hold on the check. 

Please investigate this issue and ask TD for supply data on how many people were charged fees for overdraft, even though they had deposited funds to cover their payments. 

I have been with TD for 20 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/2022 I submitted my loss mitigation packet to Freedom Mortgage, yet they keep asking for the same information I have submitted. Customer service verifies the documents are there & ask loss mitigation to do a 2nd review, at which point they will ask for something else. During this they sent me paperwork, that they verified went to another address, & they put a foreclosure sale date on our home during the time frame I had to ( re ) submit the same paperwork they already had. Im told Im responsible for the lawyer & foreclosure fees that are now on my account due to this, that I have 0 control of. I found out today they are reporting my mortgage foreclosure to the credit bureaus, telling me it will stay there indefinitely, when I was told as long as I was working on the loss mitigation it wouldnt go onto my credit. Due to them dragging this out & requesting I resubmit the same items my packet is now outdated. Essentially I have to start everything all over & resubmit all new information. This should not be happening & has created a lot of unnecessary stress & more financial hardship due to the impact this has made to my credit.

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a checking account with Simple.com which had no fees. Simple.com was acquired by XXXX, and then XXXX was acquired by PNC Bank. I recently went to check on my checking account at PNC and found that since XXXX of this year, PNC has been charging my account {$7.00} per month in account maintenance fees. I never signed anything agreeing to this fee schedule, and I never received communication that clearly and explicitly stated that I would be charged this amount. I asked the company to refund these charges, but they have not allowed me to submit my dispute because despite providing answers to security questions, they claim that they can not verify my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I bought a new XXXX in Arizona XX/XX/XXXX. After driving to my state of residence in WA I started trying to get a copy of the title in order to get my vehicle licensed. The dept of motor vehicles in WA faxed the request of XX/XX/XXXX, again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I called on XX/XX/XXXX, XX/XX/XXXX and was told they would expedite the request to fax the title. 
XX/XX/XXXX I talked to XXXX who said he would expedite and mail. 
XX/XX/XXXX I talked to XXXX who said they needed a paper copy and it would take 3 weeks. 
XX/XX/XXXX I talked to XXXX ( not sure of name because accent was too strong ) who was a superviseor ). He said got the paper title on XX/XX/XXXX and it would be sent XXXX XXXX in 5- 7 days. 
XX/XX/XXXX Talked to XXXX who said would XXXX XXXX  title within 5 days and would expedite. 
XX/XX/XXXX Talked to XXXX who said would put in a state to state request to send the title XX/XX/XXXX Talked to another supervisor, XXXX ( not sure because the guy hardly spoke XXXX ) who said he would send the request ( XXXX ) to the title department. He refused to give me any way to contact the title department and was extremely rude. Told me the request was never sent to fax too paper title after it was received on the XXXX! Now, another 3 weeks. Meantime I have extended my license and will have to pay again to extend it. This is the worst trained, most incompetent agency I have ever dealt with IN MY LIFE!!! Just because of them I will never buy a XXXX again!

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 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX transunion total inquiries need. to be removed this is not mine and did not have company permission to run my credit i tried to get transunion to get this resolved but they told me i have to contact cfpb.gov to get the letterss sent out t transunion Inquiries Check Dispute Status These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. Learn More TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX  services XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.

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 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2022 there was a transfer of {$400.00} plus a {$4.00} fee out of my PayPal account sent to an individual I do not know and I did not add the contact or make the transfer. On the same date I found unauthorized activity in my bank accounts. I contacted the bank immediately and they assisted with account closures and filing the disputes. I filed an identity theft report at XXXX. I am pulling together all of the paperwork to file a police report. I contacted PayPal and told them this was unauthorized and I am a victim of identity theft, but their response was it is not covered under their buyer protection plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I made the payment due, as I have always done but unfortunately it was a few days late. The company took my full payment but I didnt have the late fee. They applied the money towards the late fee first then stated I had not made full payment so it would be reporting negatively to my credit report. Also they stated If I dont pay the {$10.00} plus the {$2.00} convenience fee additionally. 

I feel I paid my full payment and should be applied to my full payment before the late fee and especially before reporting negatively to the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/22 I spoke with a Equifax Representative at XXXX estimated time about me the inaccurate investigation by Equifax concerning my credit file Confimation # XXXX inaccuracy and Equifax Failing to provide me the consumer with " Verifiable Proof '' of the original creditor signature concerning the debts in my credit file. Equifax representative misrepresented me, was rude, and Intentionally and Willfully ended the call with me without my consent and transferred the call to a survey. Check their recordings. The Equifax Representative Did This Because He didn't have a accurate response concerning the unlawful acts Equifax have commited in Violation of 15USC 1681 ( a ) ( 4 ) Negligence, Breach of Confidentiality, Breach of Trust, Data Brrach, False Documentation Inside My Credit File, Identity Theft, Fraud, Damages all affecting my Credit causing me severe finacial Hardship and enslavement of my future

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: CA

Complaint narrative:
I received an email this morning that a new trade line was added to my credit report. I checked my report and saw that XXXX XXXX, which is located in Nevada, was added to my report as a debt. I do not reside in Nevada, I reside in California. The company reporting the collection is XXXX XXXX XXXX. The date is XX/XX/2022, of reporting until now. I have tried contacting XXXX  XXXX and Clark County Collection via phone and I was unsuccessful in reaching anyone in their department. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: NC

Complaint narrative:
After carefully reviewing my credit report, I noticed that World Finance company is increasing the amount of the debt monthly. According to the FTC and FDCPA, companies must accurately report the alleged debt. They have violated my rights as a consumer by demanding monetary amounts that are not contractually legal. The amount reported on my credit report is greater than the amount owed. World Finance Company also failed to validate the debt with me as the consumer with a written notice of the debt. That is also violating my consumer rights. Im also submitting a picture of my official drivers license to prove that I have a name change as a result of marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A dispute was opened on XX/XX/2022 regarding a purchase. The request was for the purchase to be switched over to a low APR promotional plan that is offered to members who pay a fee each year. I received a letter with the dispute outcome stating that the original purchase plan would be switched over to low APR promotional plan beginning in XX/XX/2022. 

The plan was successfully transferred over to a low APR promotional plan. NOW the issue is that the Original purchase price is incorrect. My monthly statement has an increased purchase price of about {$2000.00} more. The Original purchase price and statement do not match up. I need my statements to match the correct purchase amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank approved the financing of my auto loan from the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, Texas after the promissory note was signed at the dealership for full faith credit payment of said goods purchased. 

Under the FDIC Hold in due process 6000 Rule 433.2 ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR Part 433 Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses ( Holder in Due Course Rule ) Rule Summary The Preservation of Consumers Claims and Defenses [ Holder in Due Course Rule ], formally known as the " Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defenses, '' protects consumers when merchants sell a consumer 's credit contracts to other lenders. Specifically, it preserves consumers ' right to assert the same legal claims and defenses against anyone who purchases the credit contract, as they would have against the seller who originally provided the credit. ( I was not provided full disclosure, and my credit was not credited to my account. ) First, the seller may execute a credit contract with a buyer which contains a promissory note. In the event that the promissory note is assigned to a credit company, the credit company takes it free of any claim or defense which the buyer would have against the seller. This is true unless the buyer can prove that the credit company is acting in bad faith or with notice of actual seller misconduct. Second, if a local statute prohibits the use of such promissory notices in credit sale transactions, the seller may incorporate a written provision called a " waiver of defenses '' in the text of an installment sales agreement. A waiver of defenses is the consumer 's written agreement that his installment purchase contract may be treated like a promissory note in the event that it is sold or assigned to a credit company. ( I was not provided full disclosure, and my credit was not credited to my account. ) Ally placed a lien for payments on this loan when the dealership was paid in full faith per the consumer credit contract and the signed promissory note. My attached Certified XXXX Search 11 shows no lien was ever placed on the goods in question. 

I'm not able to access my online statements or contract, I did send Ally Bank a request for a copy of my contract or statements.

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 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Unknown debt. Text message. Unknown item and amount. Requested all charges, submission of written original documentation. In addition I have asked to receive such information via mail to the address they have on file. I also put them on notice if the information was not provided i would consider and report this as fraud. No response to any communication - I just receive more identical text messages with a link to pay online. 

First National Credit Bureau

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