vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
My loans were transferred from XXXX XXXX to Ed Financial due to the contract expiring. I get an email from Ed Financial, introducing me to their company. One problem, it was addressed to someone who is not me. I tried to register with my Social Security Number and SSN, and they were associated with the same incorrect name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone must have stolen my information and my chase account is in the negative and I dont know how this happened. I have reached out to them. I am a victim of fraud and identity theft. I need to file disputes cause someone got a hold of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Information Services LLC furnished consumer reports On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX without my written instructions and or consent constituting as a violation of the FCRA. I the consumer On XX/XX/XXXX sent Equifax information services LLC a notice of the FCRA violation with attaching a copy of the law that they violated Demanding that they delete the said accounts off of my credit file. I sent notice certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: VA

Complaint narrative:
Due to the Equifax data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, Equifax and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus.

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to Equifax. I have receipts of everything. FTC report reference number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: VA

Complaint narrative:
Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage Experian, XXXX and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # 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 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTY THEFT. 
Specifically, on XX/XX/XXXX. 2021, 4 accounts were fraudulently opened at SunTrust Bank, now TRUIST, in my name with ZERO balances and were immediately overdrawn by {$100.00} - {$200.00} each as cited herein : XXXX ( CHECKING ACCOUNT ) - {$130.00} XXXX ( CHECKING ACCOUNT ) - {$120.00} XXXX ( SAVINGS ACCOUNT ) - {$170.00} XXXX ( SAVINGS ACCOUNT ) - {$160.00} I became aware of this matter on XX/XX/2021 upon written notification from SunTrust requesting I re-pay the overdraft amounts. I notified SunTrust on XX/XX/2021 that I had become a victim of identity theft and I filed an Identity Theft case with them as well as with IDTHEFT.GOV. On XX/XX/2021 SunTrusts Fraud Department provided me with written notification that I was NOT responsible for any of these account transactions. Sun Trusts Customer Relations Department provided me the same release of liability by letter dated XX/XX/2021 wherein I was assured that all 4 accounts had been closed as of XX/XX/2021. 

Sun Trusts statements in the aforementioned letters of XX/XX/2021 and XX/XX/2021 were clearly false and misleading. Specifically, I was subsequently notified ( in writing ) by XXXX XXXX, a debt collection agency, on XX/XX/2021 that at least one of the cited accounts ( XXXX ) had been turned over to them by Sun Trust for collection of {$160.00}. In response, I took the following actions : - I provided XXXX by certified mail the XX/XX/2021 and XX/XX/2021 letters from Sun Trust releasing me of liability. I also requested copies of all documentation received by XXXX from Sun Trust relating to this matter. XXXX has NOT complied with my request to date. 
- I notified Sun Trust that, contrary to their earlier assurances, this matter remained unresolved and I provided Sun Trust a copy of the XXXX letter. 

By letter dated XX/XX/2021, Sun Trust assured me ( again ) that they had notified the collection agency to cease all collection activity for all 4 accounts. 
As before, Sun Trusts statements in their XX/XX/2021 letter were clearly false and misleading as I received a second collection letter from XXXX dated XX/XX/2021 ( account XXXX ) requesting I pay {$150.00}. 

I am filing this complaint to stop the harassment from Sun Trust and 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 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Social Finance, Inc.
State: UT

Complaint narrative:
I figured out what the issue is with not receiving the {$50.00} bonus for referring a friend. The ad posted on the app offering {$50.00}, links to a different page that offers {$5.00} for sharing the app with a friend. I don't know if this is intentional in order to do a bait and switch but your links are definitely broken and not linking to the correct offers. To make it clear, when I click refer a friend to earn {$50.00}, it takes me to the page that has the link to share the app and only earn {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UBS BANK USA
State: TN

Complaint narrative:
I have been on a hardship payment program with UBS bank credit cards. They ended my hardship program and are threatening me with attorneys even though I have continued to send payments as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: GA

Complaint narrative:
XXXX is reporting inaccuracies to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is reporting inaccuracies to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: AZ

Complaint narrative:
I have been identity theft and they refuse to lock report, the inquiries are all fraudulent, Experian keeps selling and allowing my report to be pulled. There should not be any inquiries hard or soft. Every time I look there are new inquiries that are fraudulent.

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 2022-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XX/XX/2022 I pay my car off with my negotiable instrument as he account holder for the amount XXXX my account hasn't been update as I mad final payment for the vehicle and car title per obligations of the financing agreement I can prepay the vehicle in full at any time I have sent previous payment for processing but no response from GM FINANCIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : On or around XX/XX/2021, I purchased two tickets to see XXXX XXXX performed at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX, XXXX I used my Capital One XXXX branded credit card to make this purchase. Shortly thereafter I attempted to dispute this charge online because tickets were never issued for the concert. I thought that I might have fallen victim to a fraudulent website that was either a ticket reseller, or a fake company altogether. CapitalOne issued a provisional credit. 

I should also mention that I attempted to complete a written dispute through CapitalOnes system, but the automated fraud-handling questionnaire instructed me to call CapitalOne revolving this dispute. Its my understanding that disputes that are phoned-in do not give consumers the same protection as written disputes ; however CapitalOne guided me to make a dispute over the phone. 

On or around XX/XX/XXXX, Capital One reversed the provisional credit, but never alerted me they had deemed my dispute invalid. I received no notification whatsoever. After an extensive search, I am confident I never received a phone call, an account alert, an email, or physical letter. 

On or around XX/XX/2021, additional travel restrictions were put in place requiring Americans traveling to XXXX to quarantine for an additional 2 days due to the Omicron variant. This effectively cancelled my trip to XXXX. 

I am escalating this dispute, because its my understanding that CapitalOne did not follow all requirements as outlined by the Fair Credit Billing Act. Furthermore, CapitalOnes actions could be considered an UDAAP violation, as they never alerted me as to why my dispute was rejected. 

I am requesting the CFPB compel CapitalOne to issue a charge-back to the merchant ( XXXX XXXX XXXX XXXX and refund the cost of the tickets, which comes to {$130.00}. I would also like an explanation as to why the provisional credit was reversed without any accompanying verbal or written communications to me. Its my understanding that communication is required by law. 

Thanks and regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I received a letter from a company saying thanks for applying for a credit card. I never applied for a card. The company is Genesisfs Card Services, XXXX XXXX XXXX, XXXX, OR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: IN

Complaint narrative:
Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.

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 2022-01-09 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: CA

Complaint narrative:
XXXX Bank  flagged my XXXX card as fraud, but when I asked Experian for a removal they did not comply. If the card is flagged for fraud and an investigation by XXXX, Experian should remove the 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 explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
I was being scammed and one of the transactions involved a money wire transfer from my account at XXXX XXXX to an account at XXXX Bank in XXXX Wisc. in the amount of {$23000.00} on XX/XX/2021. XXXX recognized that the recipient account was a fraudulent account and stopped the transaction. Now XXXX is holding the money and has made it literally impossible to get back. XXXX wants a Hold Harmless Letter from XXXX XXXX to retrieve the money but XXXX XXXX doesn't do Hold harmless letters and so XXXX wont deal with them. They won '' t even talk to me because I'm not the recipient account holder. They've admitted that it's my money but they won't give it back. They've made it literally impossible for me to get the money and it will sit there forever because no one can claim it but me. They claim that a Hold Harmless letter is a standard bank to bank process but XXXX XXXX doesn't recognize it. 
The contact info at XXXX is XXXX XXXX XXXX, Financial Crimes Investigator -Financial Intelligence Office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX The recipient account info is XXXX Bank XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX XXXX All they tell me to do is to do whatever XXXX XXXX tells me to do. All XXXX XXXX tells me to do is file a police report which I did. It did absolutely no good. I have documents but I'm having trouble uploading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: IN

Complaint narrative:
Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.

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 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is about a capital one credit card account opened in my name with remaining balance due of {$460.00} and was opened as of XX/XX/2020, I have not opened any credit card accounts in about 3-4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
SANTANDER CONSUMER USA along with XXXX XXXX XXXX have committed fraud and have scammed me out of money. The auto contract that they had me sign was deceptive. They furnished a false and deceptive form to take advantage of me. They took my money in a consumer credit transaction that contains a finance charge, which does not include charges of a type payable in a comparable cash transaction. They then went on to add my cash down payment of {$2000.00} to the grand total it'll cost me for the purchase of credit instead of subtracting that amount they took from me, which was unlawful to begin with. They titled the credit application as " Retail installment contract and security agreement, '' which is furnishing false and deceptive forms. Within the Truth in Lending disclosure they stated that I'll be paying {$460.00} for 72 months, which equate to {$33000.00} but the finance charge is the only charge I should have paid due to it being the sum of all charges pursuant to the Truth In Lending Act, which was {$22000.00}. Furthermore, the finance charge shouldn't be paid in cash because a consumer credit transaction can only contain credit or cash, not both. The use of my credit card ( social security card ) was used to pay the finance charge, which was {$22000.00}. These corporations have violated the Truth In Lending Act and deceived me in the process of purchasing the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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 — Investigation took more than 30 days
Company: VW Credit
State: GA

Complaint narrative:
The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Tower loan company trying to collect a loan that I have no idea about. I informed them and they sent a form for me to fill out which they can do an investigation to see who actually cash out the check. I didn't receive any information from Them again only to know they ve sent to to credit report and now it showing on my credit. I have no idea what loan they are talking about. I never received any check from them.

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 2022-01-09 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: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
An active account shows in the credit report which I did not apply as follows : Company Name : Mountain Run Solutions opened on XX/XX/2021 Please be advised I never opened or initiated this account under my name. 

Thank you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have a few paid in full closed accounts on my report that I would like to request 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 explanation