vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Wolf River Development Company
State: MI

Complaint narrative:
On Friday XX/XX/XXXX I applied for a loan with XXXX at approximately XXXX. Around XXXX I called them to cancel the loan. I no longer wanted the loan at all. They refused to stop the transfer of funds to my bank and cancel the agreement. I then went to my bank and closed out all of my accounts associated with XXXX and started a different bank account. 

The bank manager assured me that it would prevent any transfer from fineday from posting and the money would be sent back to fineday funds. I then tried contacting them via phone again and they told me I needed to e-mail them to transfer the funds. 

I sent the e-mail late last night on XX/XX/XXXX. I told them I did not wish to receive any funds from them in any form. I wanted nothing to do with their company and I wanted to cancel the loan itself. 

Today on XX/XX/XXXX I received a response from fineday funds. They demanded I repay them {$670.00} in order to do business with them in the future or to pay them back {$650.00} and the loan would be cancelled. I never received {$650.00} from them. There was no possible way for me to receive {$650.00} from them yet they were demanding payment from me. On top of this they stated in the email Please respond to this email by XXXXXXXX XXXX XXXX on XX/XX/XXXX. Otherwise, you will miss the deadline for the cancellation of this loan. 

Which is deceitful. The deadline for cancelling the loan per the loan agreement states. You may cancel your payment obligations under this Agreement, without cost or finance charges, no later than XXXXXXXX XXXX XXXXXXXX of the second business day immediately following the Disbursement Date ( Cancellation Deadline ). Your right to cancel your loan only applies if your loan either hasnt funded or, if it has, the funds are returned to us as explained below. 

Friday XX/XX/XXXX would have been the first business day and Monday XX/XX/XXXX would be the 2nd business day and I would have a deadline of XXXX XXXX  and yet they were wrongly claiming in email that I needed to respond by XXXX or I would miss the deadline. 

I responded to the email stating I never received any funds nor is the deadline today at XXXX XXXX. 

They responded by telling me they could not cancel the loan because the funds were deposited into my account. Which is impossible because the account no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
My credit score is suffering greatly because of a collections that was put on my credit report for {$950.00} for an emergency room visit at XXXX XXXX XXXX. While I did visit the emergency room, I had a medical insurance ( charity care ) from XXXX XXXX, which completely covered the visit. Despite this fact, I found a collection on my credit report, filed by XXXX, in XXXX for the amount of {$950.00}. I filed a dispute against this fraudulent claim in XXXX, XXXXXXXX XXXX. I also contacted XXXXXXXX XXXX  Billing department, and was told that the problem would be dealt with. As it disappeared from my report, I thought this was completely dealt with. However, sometime this year it was put up again by a different collection agency ( Wakefield ), and I am back to trying to get it off a second time. In the mean time, my credit score has decreased over XXXX points because of this collections. Any assistance you can provide in removing this permanently would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ). promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
someone use my name and my info and open XXXX banks account at capital One at the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: PA

Complaint narrative:
XX/XX/2019 a charge for a private ambulance was opened on my credit report due to a car accident and being rushed to the hospital. I had medical insurance and I did not request or been asked to ride in a private ambulance at the time. I called the company which refuses to remove the collection. The company has very rude workers who speaks to you disrespectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I am not even sure who to address this complaint about. The enticement and advertising to open a 12 month no interest account starts with Apple Credit Card and then it appears servicing is moved to Goldman Sachs.

The advertisement is not clear, concise nor consumer friendly. To obtain information after you have placed the order is close to impossible. I have been transferred between Apple Card over 33 times and have spent a title of 44 hours trying to get assistance. 

Both entities claim to not understand how this program works. There are so many features that seem to be predatory, deceptive and just down-right slimy for the consumer. 

1. Apple advertises an apple gift card with a purchase. They are not clear that they you not receiving a discount or a free gift card. They actually charge you for the gift card on the Apple Card. There is no benefit. At least 18 employees within Apple and some calls as long as 2 hours 33 minutes, no apple employee could explain how the gift card works. On the surface it is just appears to be deceptive advertising to sell a gift card and finance it on an apple credit card.

2. Neither Apple nor Goldman Sachs can provide a breakdown of the charges, why some are on installment or others are not. I have been told there is not itemization. There appears to be a very serious lack of training between Apple credit card and Goldman Sachs. I spoke with no less than 10 people who all told me a totally different policy or guidelines. A clear and concise consumer friendly policy should not require both parties to have to elevate to a supervisor.

3. The upfront disclosures of how to maneuver this minefield is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. 

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent

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 2022-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX 15 U.S.C 1618 Section 602A states I have right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-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.

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 2022-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Ref # XXXX, Due to Bank of America incompetence 's I can not used my XXXX credit XXXX This morning I placed an order for an item and my purchase was declined. Not due to any fault of my own. 
Yesterday I received a phone call from a bank representative informing me that my complaint was assigned to her, and I will not receive a response from her until XX/XX/2022. Your website states that a company has 15 days to response to a complaint. I am being penalized due to no fault of my own and my credit report will be impacted due to bank of America careless. I have waited since XX/XX/2022 through XX/XX/2022 and this issue is still not resolved. 
Neither the bank nor its representatives care that their non- action is affecting me negatively and they are not willing to do anything to resolve it. Where is the justice in this situation? I need to have this issue resolved immediately and a notice sent to the credit agencies to remove any derogatory reporting from chase bank from my credit report. I have a good credit report and score and should not be subject to any derogatory reporting. I further believe that because I am a XXXX customer, I am experiencing such bad service. As I have stated I have been trying to resolve this issue since XXXX, XXXX, XXXX and XX/XX/2022, and now I am being penalized. If I was a white customer, would I have this problem? 

Thanks 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 monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have had a Coinbase Pro account for a while. I was told that I needed to update some information on my account. I realized this was asking about a Coinbase account ( implied to be distinct from Coinbase Pro account due to different websites entirely ). I then proceeded to take steps to delete my Coinbase account, as I do not use Coinbase ( only Coinbase Pro ). The process disclosed that I had about {$2.00} USD worth of XXXX in the account, and before I could close the account, I had to withdraw or donate the {$2.00}. I, of course, chose to donate it. There was no disclosure that I would also be closing my Coinbase Pro account and forfeiting the significant sum of money that I had in the account. I reached out to Coinbase support via email ( as there is no way to speak with an actual human unless your phone number is associated with the account ), and received a wholly unhelpful response from the support team after waiting about a week. It was as if the agent did not even read my email. I promptly responded to clarify the situation and have not received a response after several days. There are several reports of this happening to other people, and clearly Coinbase has not taken steps to close this loophole in which they get to steal customer 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: MD

Complaint narrative:
Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA.

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2. 

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!

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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed my XXXX XXXX Account with Equifax multiple times over the years and they have continuously failed to properly report my account. It is impossible for my account to be closed AND 120 days late. Also the historical information has continued to be reflected incorrectly over years and has severely affected my reputation. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account

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 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XX/XX/2022 Santander XXXX XXXX : Contacted Customer Service they held me on hold and hung-up. I recalled and the specialist made excuses that the interest was charged from charges earlier in the year in XXXX of XXXX. This made XXXX  sense since I paid the balance in full prior to the due date and the {$6.00} interest fee was charged in XX/XX/2022. 

Santander Bank : XXXXXXXX XXXX is charging interest and does NOT recalculate the interest to card holders on Charge backs. This practice is unethical and generating profit at the expense of the card holder.

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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as violated my rights : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 an accurate.

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 2022-09-24 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2022-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding is a collection agency that repeatedly adjusts the amount of the debt in order to keep it active. They reduce it {$1.00} then raise it {$1.00} in attempts to circumvent the aging out of the account. Due to that nefarious practice, Midland Funding, by continually adjusting the amount of the debt, is creating damage to my credit score on a regular basis. The actual amount of the debt claimed is being fraudulently manipulated. Midland Funding is habitually violating the Fair Debt Collection Practices Act enforced by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX  I had {$4800.00} stolen from my Bank of America checking account in XXXX transactions. 

On XX/XX/2022 - I noticed the stolen funds and opened a fraud case with Bank of America. I also filed a police report with my local police department. 

On XX/XX/2022 - Bank of America has decided that the funds were not stolen from the account and that the use was authorized. They will not be helping me to get restitution on this matter. 

I need help!

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