vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I started an account with Bank of America in 2017 when I was living in XXXX XXXX. However, I came back to XXXX ( where I'm from ) and the money is still there. My card expired and because of that I can't transfer my money back to XXXX. I have been waiting since XXXX for a new card to arrive. It was issued TWICE and still hasn't arrived ; I've had practically NO HELP from Bank of America. I can't download the app because it simply does not appear on the XXXX in XXXX, and, because of that, I can't transfer the money without a debit card. 

There's a Bank of America office here in XXXX XXXX ( where I live ), but it's an investment bank and I've been told that : they can't help me and that my card can not be delivered there ( which, honestly, would make this whole situation a lot easier ). The bottom line is : Bank of America is detaining MY money even when I've expressed my urgency to transfer it back to XXXX MANY times. 

My problem has, so far, NOT been treated with respect nor has my situation improved in ANY way. I've been thrown around, calling different phone numbers ( which greatly raised my phone bill ), and treated as if this was MY problem and not THEIRS to solve. 

Honestly, I would expect this behavior from a totalitarian country like XXXX or XXXX, but never from the United States. It is SHOCKING how a XXXX XXXX institution is so careless and simply does NOT CARE about the fact that they are retaining MY money from 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 2022-10-03 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: FL

Complaint narrative:
Both of these accounts are fraudulent accounts which I don't recognize I try to fix this and nothing is getting done so please remove these account before I take legal matters. 
Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/2022 IVE SENT IN A BILLING ERROR IN THE MAIL CERTIFIED TO BE LOOKED OVER. I CONTINUED TO GET HARASSING CALLAS ABOUT PAYMENT UNTIL I MENTIONED THEY'RE VIOLATING FDCPA. They then said they will not contact me unless I ask to be contacted. IVE ASKED XXXX XXXX TO VALIDATE THE DEBT THAT THEY SAY I SO CALL OWE. I UPLOADED THESE DOCUMENTS TO THE XXXX As well She then sent the Same Documents from Here to the XXXX Mentioning a 1099a. WHEN I ASKED ABOUT MY BILLING ERROR That was sent and received XX/XX/2022. It is now XX/XX/XXXX and you all still have not acknowledged my billing error because you all know yall violated TILA & MY RIGHTS AS A CONSUMER AND THE FDCRA, FDCPA. I also SENT A CEASE AND DESIST AND GOT ALL DOCUMENTS NOTARIZED YOU ALL RECEIVED THIS ON XX/XX/2022. I ALSO SENT NOTICE TO THE ATTORNEY GENERAL AND XXXX. SO SEND ALL MY DOCUMENTS THAT I WANT. VALIDATION OF DEBT SHOW THE ACCOUNTING LEDGER NOT STATEMENTS THAT DOESN'T SHOW ANYTHING. SHOW ME ALL CONTRACTS WITH ALL SIGNATURES. MY CONTRACT IS NULL AND VOID DUE TO NON DISCLOSURE OF TILA AS WELL AS IT WAS NULL WHEN THE BANK DIDN'T GIVE ME CASH IN HAND. WHERE DID I SIGN MY SIGNATURE WITH THE BANK? SHOW ME MY SIGNATURE I SOGNED WITH THE TITLE COMPANY AS WELL AND WITH THE NOTARY. THEIR SUPPOSED TO BE 2 WITNESSES AS WELL. You ALL FORGED MY SIGNATURE ON 2/3 CONTRACTS. YALL BROKE THE CONTRACT, UNDER 12 C.F.R 226.23 RIGHT OF RECESSION. MY CAR INSURANCE ISNT INCLUDED IN MY CAR NOT ( 1 ) VIOLATION XXXX XXXX YOU DIDN'T DISCLOSE THE TILA AS WELL AS THE FINANCE CHARGE 15USC 1605 SUM OF ALL CHARGES ( 2 ) VIOLATION XXXX XXXX CONSUMER CREDIT TRANSACTION IS CASH IN HAND ( 3 ) VIOLATION XXXX XXXX IM REVOKING MY SIGNATURE. MY SIGNATURE IS NO LONGER VOID.

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 2022-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to TD AUTO FINANCE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX. TD AUTO FINANCE received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned XXXX XXXX can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. 

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

Conditional Acceptance Formal Conditional Acceptance and XXXX XXXX XXXX was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via XXXX Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by TD AUTO FINANCE, having not received and showing no record of response to items listed in my Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 XXXXNo response has been given on said XXXX XXXX. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of TD AUTO FINANCEs failure to cure and honor Fault places TD AUTO FINANCE in Default. For the course of dealing, set forth herein, with TD AUTO FINANCE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance. 

All items listed can be provided as proof on legal document with notarized signature that all opportunity has been given to TD AUTO. Along with these are a multitude of statements, and a threatening letter sent by TD AUTO after the cease and desist was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Attempting to pay my PayPal credit card bill, but their online portal refuses to display any of my statements to review the charges. I realized there was an issue 24 hours ago and despite contacting PayPal through their joke of a customer service department nothing has been resolved. My bill is due on the 7th and they apparently don't care enough to provide a working system. I've tried three different browsers on two different computers and all of them display a " Something went wrong, we can't show your statements right now '' message.

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 2022-10-03 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: CA

Complaint narrative:
Between XX/XX/XXXX and XXXX, there was a coupon-based promotion run by Paypal on purchases at XXXX that state {$15.00} off when you make a purchase of {$15.00} or more. Many customers including myself saved the coupon offer on Paypal, saw the {$15.00} off apply during checkout, and got the Paypal email receipt showing only the remaining balance above {$15.00} should be charged. However, we got charged the full order amount. I personally paid with Paypal balance so you would think it can easily be refunded by Paypal. 

I attempted to contact Paypal support as well as transaction dispute immediately to resolve the issue and got a response that they can only issue a {$15.00} voucher for future use because they can not go back and apply a voucher that should have been applied, and even that voucher needs to wait until they get communication so no clear timeframe of resolution. This is clearly not an acceptable resolution as I would not have placed the order if the {$15.00} offer didnt apply, and I do not want a {$15.00} offer for future use, I need it refunded. 

Paypal response : We were advised of this issue occurring on this type of transaction, I'm sorry to hear that you were affected. 
We are working on getting these resolved with our affected buyers who are experiencing this. 
Once it's been completed, you'll get the voucher for {$15.00} that should have applied. Once the payment is captured, we're not able to go backwards to apply the discount that should have transpired. Sorry. 
Thanks for your patience while we work through this issue. 

Paypal response : There are some things beyond our control when it comes to the rewards we offer to our customers. 

If others are saying a refund is being done, I've not been communicated that yet on our end. 

Currently we have not been updated yet on any resolution on this matter. I'll leave the chat open another 24 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 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: GA

Complaint narrative:
COMPLAINT XXXX Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. ID : Current Name YOUR NAME IS CURRENTLY REPORTING CORRECTLY ON YOUR EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

SEE ATTATCHEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
PayPal flagged my account for selling collectible pocketknives, suspended my account permanently and has attached over {$8000.00} since XX/XX/XXXX. 

PayPal account. ( Ref ID - XXXX ) I previously used PayPal in XXXX and XXXX providing the same product and business model without incidence. XXXX 's sellers weekly use PayPal for thousands upon thousands of the same transactions I did. I've had no disputes over sales and all purchasers received their collectible pocketknives as fast as XXXX priority mail shipped. I have been singled out and unjustly discriminated against. I understand it's even a policy of XXXX and PayPal, that all sellers on XXXX, including sellers of knives, must have PayPal as a payment option.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX XXXX - {$250.00} sent to account as I was scammed that my account was in a holding position. I would like the {$250.00} returned to me by the banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results 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 non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results 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 non-monetary relief
Consumer complaint received 2022-10-03 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: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Please research my credit history. You can see that it was great until XXXX XXXX XXXX. My Mortgage company ( Caliber ) has ruined my credit. Ive argued with them for over 6 months. Caliber management is adamant they are right, and more importantly, I am wrong. I filed a XXXX  claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

Caliber, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from Caliber. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. Caliber puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to Caliber. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A Caliber manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, Caliber still has the money. I didnt get the money until XXXX. Caliber management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a Caliber error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: IN

Complaint narrative:
I saw an inaccurate collection on my account from National Credit Systems. I contacted them and let them know I never lived in those apartments or cosigned for XXXX XXXX. I also let them know I did not know this individual. They said they didnt have record of it. I was living in Indiana during the time they are charging me for this debt in Georgia. I keep getting the run around from National Credit Systems and the Original debtor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My XXXX XXXX XXXX was totaled in an accident in XX/XX/XXXX. 
Wells Fargo is the bank with which I had the loan from. 
XXXX XXXX XXXX XXXX XXXX XXXX off all of the pending dues to the bank and then there was a problem with 'Gap ' insurance, which was resoled by you folks, CFPB, after I wrote to you. 
Due to family tragedy, I Lost the document from your office stating I did not owe anything to Wells Fargo. 
Trying to refinance a vehicle a few days ago, the dealer showed me a negative document from XXXX Credit report that shows Wells Fargo still has falsely put the claim for $ {$14000.00} on me. 
This is a clear case of fraud and illegal business practice by Wells Fargo. 

I am requesting your office to mail me ( and email also, just in case ) the document that you had sent me earlier which shows I do not owe any money to Wells Fargo. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2022-10-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX has violated my federally protected consumer rights to privacy and confidentiality. under 15 USC 1681 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 a account without my written Castrucions 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 XXXX XXXX other adverse item of information, other than records or 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 non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
A debt collection company, Jefferson Capital System, is reporting a debt that I believe isnt mine. I have asked the company for the original contract with my signature, to prove the debt is mine, and they will not comply. Disputed wirh credit bureaus asking for same documentation that they are required by law to produce and credit bureaus closed out my dispute with what I feel was an improper resolution.

Company response to consumer: Closed with explanation