vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am Victim of a scam, i have not used this bank sinced i switched over to XXXX. Someone had stolen my wallet and i had to get a whole new set of cards and they must have gotten to my td bank. I dont owe no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

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.

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 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 2024-09-28 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: Alorica Inc.
State: FL

Complaint narrative:
Took out {$25000.00} installment loand with XXXX XXXX SST took over the processing of the loan. 
Tried paying off the remaining balance, however SST took out XXXX payments of {$15000.00} on XX/XX/year> instead of XXXX to payoff loan. Obviously only XXXX payment should have been deducted from my checking account instead of XXXX to payoff the balance of my {$25000.00} loan. 
On XX/XX/year>, I recieved refunds for XXXX of the XXXX {$15000.00} payments I made to SST. From my point of view, everything is now finalized with SST and I should have the installment loan paid off and closed. They now have XXXX payment from me to pay off the loan and refunded the other XXXX payments they took unneccessarily. 

However, SST messed up and instead of subtracting the final payment of {$15000.00} from my balance due making a {$0.00} balance, they ADDED the PAYMENT to the amount owed!!! 
Spent months and many phone calls to SST to get the situation corrected, but while the agents on the phone agreed with me about the mistake, they all said they couldn't do anything about it and would notify a supervisor. Well the supervisors if notified, never did anything about it. Even after multiple phone calls and emails with bank statements attached to show the withdrawls and refunds, my account was never corrected. 
SST then had the account " written off '', " past due '' and sent to collections. This negative and incorrect information was then sent to the XXXX credit bureaus. 
Disputed the information with the credit bureaus but told by XXXX the information is correct per SST. 
It is now on the credit bureau reports and affecting my ability to keep and get credit from other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In my previous case Wells Fargo said they were unable to find any trace of my account. I was using my married last name which is XXXX I have been divorced now and I have court approval to use my second middle name XXXX instead of my first name XXXX. Wells Fargo has all the paperwork since I submitted all of it to them. 
My complaint is regarding account XXXX I've opened this account at the branch on XXXXXXXX XXXX XXXXXXXX XXXX a friend referred me the Wells Fargo employee name was XXXX. Shortly after I deposited a personal check at the Wells Fargo on XXXX XXXX  using the ATM. The check was held for almost a month I was making trips back and forth the family member who wrote the check confirmed it cleared even offer to show proof but Wells Fargo held the money. My bill were late I had to borrow money pay for my bills and late fees. This whole situation was extremely stressful because I was living on my own and I saved up some money and gave it to this family member who gave it back to me because I needed the money yet Wells Fargo would not let me accessed. I went to the branch literally every other day. I have a XXXX  account if they are going to put a hold on your money it tells you I got nothing from Wells Fargo instead I was treated like a fraud. In XXXX I went to the branch on XXXX near XXXX XXXX for a transaction I was lured into opening XXXX additional XXXX  accounts because of all the benefits mind you I was XXXX old at the time and the benefits was for XXXX  under XXXX ( I found that out later ). After I opened those account when I deposited money into an account I get charged NSF fees in a different account. I was charged roughly about {$250.00}. I remember going to the branch on XXXXXXXX XXXX XXXXXXXX about those fees and that's when I was told I didn't even qualify for the benefits of the XXXX  accounts to begin with. I had to juggle make deposits here transactions here to avoid maintenance fees. This whole thing was horrible experience. I closed all the XXXX  accounts and then the checking I didn't have a WF checking account for at least XXXXyrs I opened one last year 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-09-28 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On my XXXX report it shows an account from Current that is on my XXXX report that is not mine I have no knowledge of this account and I did not open a secured credit card with current I have no cards no account with that financial company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not authorize these companies to run a hard inquiry on my credit report and would like it to be 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 non-monetary relief
Consumer complaint received 2024-09-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize these companies to run a hard inquiry on my credit report and would like it to be 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 non-monetary relief
Consumer complaint received 2024-09-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes reporting this account inaccurate! By Definition, the IRS clearly says a Cancelled debt or charge-off is Income. The account number XXXX has been charged off, but Experian is still reporting this earned income on the consumer report. XXXX has not sent a 1099c for the charged-off amount either.

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 2024-09-28 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: VA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. THE FOLLOWING ACCOUNTS ARE INACCURATE, UNVERIFIABLE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # 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 2024-09-28 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: VA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. THE FOLLOWING ACCOUNTS ARE INACCURATE, UNVERIFIABLE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # 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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted the consumer reporting agencies about an address that was showing under my personal information. The address was supposed to be removed. 

XXXX XXXX XXXX XXXX TN XXXX does not belong to me, and that address should not be on my consumer report. It's 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 2024-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I contacted your office 1st due to the company had already made a violation of the FCRA by notifying Credit Bureaus before any contact with me

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 2024-09-28 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: TN

Complaint narrative:
It unauthorized credit inquires on my credit report that I didnt make

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 2024-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have been making payments on my FFELP consolidation loans since XXXX and I expect I was making payments on the original loans before they were consolidated, although it's so long ago I don't remember and don't even know how I'd get that information. I'm not sure if you can help me or not, but I'm hoping you can steer me in the right direction. 

My original disbursement for the consolidation loans was {$15000.00} on XX/XX/XXXX. The total I've paid to date is {$29000.00} and my balance as of XX/XX/XXXX is still {$5500.00}. I fail to see how I've paid nearly double the original loan amount over 22+ years and I still have a balance. 

How is this possible? I understand that the interest gets capitalized and adds up. But I would like someone to look into this and see if my payments for the past 22 years have been applied appropriately or not. 

I know Navient has been in trouble with the government recently and I expect I was just another young, XXXX college kid that signed up for student loans without any knowledge of what I was really getting myself into. 

These loans were for classes I took in community college when I was XXXX years old. Tuition at XXXX XXXX XXXX XXXX in those days was {$42.00} per credit hour, but they automatically disbursed the maximum loan I was qualified for and the school refunded me the overpayment, and I was completely clueless about finances and assumed that was normal and that I was supposed to use it for books and living expenses. I did not expect that I'd still be paying for those classes in my XXXX when I've already raised kids and put XXXX of them through college. 

Thank you for any assistance you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I spot with the very rude company about a letter I have got in the mail about an American Express debt amount at the time with American Express the amount was {$2000.00} that is the amount I owe each time I would call American express would not want to take payment. And stated to call this law firm out of Florida where I live in the state of California, This company has harassed me reach out to sue me to garnish my wages when I would call I tried to resolve the issue with an pay the amount they gave me attitude stated oh you can try this is what it is very rude as if they did not want to fix the situation but keep it going. I want them to be removed, and I would like to fix the situation with American Express this is fraud and threats by a collection agency. The account will be involved in litigation. I do not owe the amount that is shown of {$3800.00}, and they told me they will increase the amount which is illigal I tried to fix this account with this fraudlant company now i do wish for them to leave me alone. I have sent a cease-and-desist letter also, The Fair Debt Collection Practices Act ( FDCPA ) sets rules on how and when debt collectors can contact you they have broke these rules, my rights are being broken under the FDCPA and inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase has been involved in numerous attempts to withhold funds that are rightfully owed. 
When I logged into my credit account, a different address was showing. I find this odd because all the letters claiming to be from the executive office come to the right address. I believe the letters that I've been receiving are fraudulent. I have attached an image of what address I saw when I logged in. 

Please note Chase recently denied a dispute to my card from XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX. All the proof had been there. I also showed proof of the company agreeing they would send a refund by XXXX. I didn't trust a refund by XXXX, so my request was to have it reissued to my card. 

Chase denied the dispute with all that information. When I filled a North Carolina Department of Justice complaint against the company the company agreed to issue the refund back to my card. 

I say this to say that I'm aware Chase is illegally denying funds and allowing culprits to escape without accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it.

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