vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Made a {$5000.00} payment to Target RedCard on XX/XX/XXXX... electronically. It HAS YET TO BE CREDITED TO MY ACCOUNT!!. 

I DID contact Target. This is the response : " When we receive account payments, we credit the payment based on the date it was received. However, we may delay adjusting your available credit while we finish processing the funds. This is why your {$5000.00} payment on XX/XX/XXXX reduced your account balance but didn't immediately increase your available credit. '' So, this really means Target HAS THE MONEY. But will NOT credit it to the account until they want to. SO, this means they FLOAT my {$5000.00} payment and make money on it ALL THE WHILE CHARGING ME INTEREST ON THE BALANCE. This is OUTRAGEOUS! Isnt this illegal? Isn't this Or at least despicable?? 

What happens next? 

Thank you ... .XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion did not have my written permission to report personal information on my consumer credit report. I have asked the information 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
Consumer complaint received 2021-10-27 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Caine & Weiner at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as past due balance. i do not know this company. I have never done any business with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Transunion. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15. 

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached

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 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I invested money and bought stocks as well as bitcoin through XXXX, on XX/XX/XXXX I woke up to several emails saying my stocks had been sold and the money had been deposited into an account I did not recognize. When I tried to open the app my password and pin had been changed and I no longer had access to it. It took over two hours on hold before getting someone on the phone. I was then told the cashapp " investigating team '' would send an email to follow up. After waiting 3 weeks I called back and waited another 3 hours to speak to someone. When I did finally receive an email from them it took another 2 weeks of them " investigating '' before they proposed a solution. I was told they would credit the money back to my account - an account they were told repeatedly had been hacked. They asked I make a new account and send the username to them so they money can be credited back to me. I have now been waiting since XX/XX/XXXX for this credit. I have emailed the " support '' team about 5 times now and have not gotten any response from anyone. I have tried calling them numerous times and the automated voicemail either hangs up itself or tells you no one is available to take your call then hangs up. I tried contacting them to get the matter resolved through their chat option but apparently the " advocate '' is now crying in a corner because I called him useless- his solution was to email their " support '' team... given I have already emailed them 5 times and have gotten no response I think my description was pretty accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
ON XX/XX/XXXX A LOAN WAS TAKEN OUT IN THE AMOUNT OF {$1000.00} FRAUDULENTLY. MY IDENTITY HAD BEEN STOLEN AND I WASN'T MADE AWARE OF THIS UNTIL XX/XX/XXXX. I HAD NOTIFIED ACE CASH EXPRESS AND THE LOCAL SHERIFFS DEPT. TO FILE A COMPLAINT. ACE CASH EXPRESS HAD ME FILL OUT AN AFFIDAVIT, HAVE IT NOTARIZED, AND FAXED ALONG WITH THE COPY OF THE POLICE REPORT. NO FOLLOW-UP EMAILS, PHONE CALLS, OR MAIL WAS SENT BY ACE CASH EXPRESS. ALL I WAS TOLD IS THAT THEIR DEPARTMENT THAT HANDLES FRAUD WILL TAKE CARE OF IT. HERE XX/XX/XXXX OVER 8 YEARS HAVE GONE BY AND I RECEIVE A COLLECTIONS NOTICE. WITHIN THOSE 8 YEARS NOT ONE BILL TOWARDS THIS LOAN HAD BEEN MAILED TO MY RESIDENCE, NOT ONE EMAIL OR PHONE CALL. ACE CASH EXPRESS HAD ALL OF MY CONTACT INFORMATION AND FAILED TO 1. INFORM ME OF THE PROGRESS OF ANY ONGOING INVESTIGATION INTO THE FRAUDULENT LOAN 2. OFFER A SETTLEMENT RESOLUTION TO AVOID COLLECTIONS. IT IS NOW 8 YEARS LATER THAT I RECEIVE A PHONE CALL FROM A COLLECTION AGENCY TO COLLECT ON THE DEBT. ACE CASH EXPRESS HAS FAILED IN THEIR RESPONSE TO HELP RESOLVE THIS SITUATION. THEIR VETTING OF ONLINE LOAN APPROVAL IS INSECURE AND ALLOWS FOR CRIMINALS TO EXPLOIT THE MEANS TO OBTAIN FUNDS UNDER FALSE PRETENTIOUS BEHAVIOR. ACE CASH EXPRESS HAS FAILED TO PROVIDE ME WITH INFORMATION LINKED TO THIS ACCOUNT. EMAIL, PHONE NUMBER, BANK ACCOUNT AND ROUTING NUMBER OF WHERE THE FUNDS MAY HAVE BEEN CASHED, COPIES OF ANY DOCUMENTATION GIVEN WITH THE LOAN APPLICATION SO THAT I CAN PRESENT THIS INFORMATION IN MY DEFENSE IF NEEDED. ( AFTER ALL, THIS IS SUPPOSEDLY MY ACCOUNT IS IT NOT? ) I AM LOOKING FOR COMPENSATION BY HAVING ACE CASH RESCIND ANY AND ALL FEES ATTACHED TO THIS LOAN. THEREFORE PAYING RESTITUTION THE COLLECTION AGENCY IN WHICH ACE CASH EXPRESS HAD SOLD THE LOAN TO. I'VE DONE MY PART IN PROVIDING ALL THE NECESSARY DOCUMENTS PERTAINING TO THE FRAUD IN XX/XX/XXXX. I'VE ALSO CONTACTED ACE CASH EXPRESS ON XX/XX/XXXX TO FURTHER INQUIRE ABOUT THE INVESTIGATION OF FRAUD. NOTHING WAS DONE. THE ASKED ME TO RESEND THE DOCUMENTS AGAIN AND THAT WAS ALSO DONE ON XX/XX/XXXX ACE CASH EXPRESS HAS FAILED IN THEIR EFFORTS TO RESOLVE THIS. IT HAS BEEN 8 YEARS SINCE THE IDENTITY THEFT AND REPORTING IT TO LOCAL LAW ENFORCEMENT AND ACE CASH EXPRESS. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I sent Equifax a dispute letter requesting unauthorized inquiries be removed from my credit report file. I never received a correspondence back from Equifax. On XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax for these as well. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letter for violation to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
transunion is reporting my chXXXX  under public records which is a private matter to me. according to 15 USC 1681 ( a ) this company is in violation of my right to privacy and the information they posted on my credit file i wish to be private. this company infringed on my right to privacy. please help me with this matter.

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion credit company deceptive marketing practice deceives customers by requesting credit credit information with no description specifically as to way the credit card information is needed. My assumption was that my credit card information was needed as part of Transunion identification process and not for some type of " membership '' charge of {$24.00}. Apparently Transunion and mulitiple websites e.g. Transunion.com and XXXX. In order to established an account with Transunion for monitoring and obtained a " free report '', no information is listed for consumers that they will be charged {$24.00}. On XX/XX/2021, I went through the website Transunion process to establish an account and as I was going through their website process from identification, I was charged the {$24.00}, for a " membership '' fee. The website is set up in a way to provide the preception of steps of identity, no consumer information within credit credit information to note a charge of {$24.00} will be applied once information is provided. Truly disappointing and deceptive for a credit card company trick and deceive consumers to increase profit margins in an unethical way. Now I have to go through process of credit credit canceling, etc. due to unfortunate situation with Transunion.

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 2021-10-27 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
This complaint is for loans under my business provided in the attached letter. The company and I were in communication during covid-19. My business operates in the restaurant industry and we were completely shut down for several months in XXXX. I communicated with Mercedes Benz Financial Services ( XXXX ) on the monthly basis to determine my ability to pay. They said I was protected by th e covid-19 guidance and I could skip up to 3 payments. Every time said I was within the covid-19 guidance and this would not negatively impact my credit. When I applied to a loan with XXXX XXXX on XX/XX/XXXX, I sa w that they had reported me late for the three payments they arranged. I followed their company dispute process and received a letter I was denied. I have never been able to talk to a person or be told why. I have tried contacting them by phone and their message portal on their website. I have never been responded to further.
My dispute letter to Mercedes was prepared on XX/XX/XXXX. It included the two loans I have with them, they refer to them as contract numbers. The first loan is showing late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The second loan showing late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also it shows a past due amount of {$950.00}. I did speak to a customer service rep and they said they could not see where I am past due any where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
I dont understand why I see these accounts on my credit report. I have no idea where is came from. Im shocked! What should I do with them? Why you put this information on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I never used these services they are not even in my area

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I got a call from AmeriSave the morning after I talked to my mortgage lender and acted like he was working with him. I proceeded to give him my information thinking he was with guaranteed rate. After telling him what happened he still proceeded to try and sell me. I then looked at my account realizing that XXXX dollars was taken out of my account for an application fee. I dont know where he got my information from in the first place to call me. I tried to get a refund but he is refusing and is also refusing me of talking to his supervior. I received the phone call on XX/XX/XXXX then realized what happened on the XXXX and try my hardest to put a stop to it he is still emailing me today.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I have a bill from Credit Systems Inc that should not be owed and the collection agency will not cancel it and is threatening to put it on my credit if I dont pay it. 
I had XXXX with an in network doctor in XXXX. I got a bill from some out of network provider that the surgeon called in to assist. The claim was originally processed as out of network and applied to my out of network deductible. The provider told me to appeal so I did. The claim was reprocessed to pay an in network rate of {$160.00}. The provider will not write the balance off and has sent me to collections, and the collection agency is threatening to put it on my credit if I dont pay it. 
# 1 : I did not sign anything agreeing to receive these services and there is no agreement between me and this medical provider. I have requested a signed consent to treat form agreeing to these services. XXXX  XXXX XXXX XXXX XXXX says I did not sign a specific form with XXXX  XXXX XXXX  XXXX XXXX, they said its just a general informational form that the hospital gives you and does not have a signature on it. I did not agree to these services. 

# 2 : I live in Colorado but my Insurance homeplan is a TN plan ( Human resources is based out of Tennessee ). There is a law in Colorado prohibiting balance billing when an in network doctor requests out of network services. I sent in my written dispute along with the Colorado statute. The provider/collections wont honor it because my plan is a Tennessee plan and they say it only applies to Colorado plans XXXX I then researched and found that Tennessee has a similar act prohibiting balance billing and sent that info in along with another written dispute, but the provider/collection agency says because services were rendered in Colorado, the Tennessee law doesnt apply to me either. I am exasperated and beside myself here. I dont know what to do. This is not fair and I should not be held responsible for this balance but no one will help me. The collection agency wont budge and says they will put this on my credit if I dont pay it. I have submitted another appeal today with my insurance but dont think its fair for collections to ruin my credit when there are laws protecting consumers from this exact thing! How do none of the laws apply to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband and I had an auto financed through Capital One. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The Capital One installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call Capital One the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since Capital One is saying I am not able to pay on it as there isn't a balance due by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I opened an online savings account with Comenity Direct Bank in XX/XX/2021 by depositing eighty-thousand dollars. Due to a death in the family on XX/XX/2021 and an immediate need for my funds, I requested that the account be closed and the funds sent by check overnight. The bank said they preferred to send the funds by electronic transfer. I said transfer the funds to my linked XXXX XXXX  account. On XX/XX/2021 they said they would transfer the funds, and it might take 3 to 5 business days. The funds were never transferred. I made numerous phone calls to Comenity Direct to get my money. I spoke with numerous employees, including XXXX, XXXX, XXXX and XXXX. They all failed to solve the problem, and they all refused to give me the name and phone number of a bank executive. On XX/XX/2021 I spoke with XXXX, who said she was an executive. When she refused to give me the name and number of any corporate executive, I asked and she agreed to have a bank executive call me the next day. No one did. I am a XXXX year old male and the bank is guilty of senior abuse and apparently brank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was sick and and paid for a medication from my checking account. Unknown to me that {$16.00} would make my balance to be overdrawn. When I realized this today, I paid in {$300.00} but surprisingly, Bank charged me {$35.00} for {$16.00} in less than 24 hours transaction. All my efforts to get {$35.00} reversed proved abortive. The staff even refused to transfer my request to a senior staff above him.

Company response to consumer: Closed with explanation