vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The bank is holding my money illegally. The funds were retrieved from the third-party account I mistakenly sent it to. I called him when the bank closed the claim, even though I called them less than 30mins after the money was sent and he said he will refund me the cash through his bank. The bank which is the same bank has debited him of the money but they have refused to give me my money back saying they closed the claim when they fully know that the money has been debited from the third-party account. I ought to have made a profit with the money but XXXX did not allow me to make the profit.

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 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: C/C Financial
State: TX

Complaint narrative:
Preferred lease has been contacting me since XX/XX/21. This company is trying to get extra money out of me after they have already took my credit card I have paid them {$2700.00} of my consumer money for furniture plus they are trying to charge me an additional {$900.00} dollars after the use of my social security number. The furniture was paid for and now they are trying to collect double the payment. That is a violation after I have told them not to contact me, I have never given preferred written consent to contact or harass me and they refuse to stop. I am afraid to answer my phone because they have given my XXXX I block the company from contacting me but they send text messages and call from multiple different numbers XXXX I sent preferred Lease an affidavit of truth, a cease to communication and a copy of phone records and an Federal consumer invoice in one envelope certified mail return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been trying to call CapitalOne in order to dispute a transaction made on my CapitalOne checking account. I keep calling the number, waiting on hold for upwards of 30 minutes and then the call disconnects. Sometimes at the beginning of the call, I do the " Press 1 to receive a call back '' but nothing happens and it sends me to the hold music anyway. 

In the " Report a Problem '' feature in the app and online, the only contact information provided is the phone number ( XXXX ) but no one ever answers. This is an online-only account with no physical branches ( at least near me ) and the only contact information I have leads to long hold times and a disconnected call. I am at a loss for how to communicate with someone to report my disputed transaction. I would think that a Bank with no physical locations would be more diligent about being accessible via phone or at least an online chat feature. Being unable to reach anyone about my bank account is really frustrating and worrying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

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 2022-01-06 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

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 2022-01-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I the federally protect consumer XXXX XXXX has submitted complaint to Equifax for they're violation of my consumer rights. They haven't remove and deleted the requested accounts and I am requesting they're method of Verification pursuant The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Reporting these false information is in violation of The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 602 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise there grave responsibilities with fairness, and respect to the consumer 's right to privacy. Remove all information in the document attached or will be held civil and criminal liable for damages pursuant to Sec 616 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
It's been over 30 days since i purchased the car cash in full and still have not received the title even though Florida statutes state the title must be received by the purchaser no longer than 30 days from the purchase date. I've gone back and forth with customer service too many times to count each time and told different things. I don't know why this has to be so difficult. The funds were taken out of my account a minute after I personally handed the cashier 's check to the dealer all I'm asking for is proof of ownership in return. I've submitted email requests; written requests done all they've asked with online forms etc. to no avail. It pains me that I even have to go this route but feel like I have nowhere else to turn.

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 2022-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been contacting Wells Fargo since XXXX about accounts personal lines of credit debit card accounts that I did not open etc. On XX/XX/XXXX. I received a text message from wells fargo concerning my account. When I call or go to the location I am told I don't have an account. I continue to recieve messages and continue being told that I do not have an account at wells fargo. This is happening because government officials and federal contractors have made a forgery Maryland durable financial power of attorney that states an unknown agent to have power and control of my money or property if I am able to or not.

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Pnc acquired our accounts in merger & buyout -- our banking with bbva has been great. Pnc has repeatedly locked me out of online banking, terrible wait times for tech to help me get in -- 1 time i was told she couldn't find my personal accounts -- after i provided the numbers! They sent no debit cards, but that # or pin is needed to unlock access. Our joint accounts require my husband to give the rep his permission for them to help me! Ive done online banking since 2001 -- never had any problems like this. Ive read numerous complaints from others online. We are changing bank as soon as we can. Did our bills get paid for XX/XX/XXXX as usual? Nooo because I was locked out & website takes me in circles, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was contacted by Midland credit and allowed my Financial advisor to take power of attorney to speak with midland credit mgmt. My advisor told me to pay them and I did. During this time I paid the debt in full as it was a debt they bought from XXXX XXXX. I was then told by my financial advisor the debt has been paid and it was not on my credit report. So I caught it in time. Then two weeks after paying the debt the collections from the collection agency has shown up and reduced my score and showed a balance. This was not there prior and I have proof of this. We asked during the payoff and info on how to pay if they will delete this collection if it has hit my credit report and my financial adviser told me he spoke with a nice lady that said she would accommodate that. Later we called and asked for the deletion letter and was told after waiting on hold and with someone in customer service that they would do it in 2 years. This was not something I would agree to. And the collection was bought back in XX/XX/2021 for a debt that was only six months old. I paid it promptly and I paid all the collection fees as well and interest in full. I feel like I have not only been denied credit trying to refinance my house and buying more property but it also hurt my credit beyond repair. My credit prior to this was over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and XXXX. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: AL

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to Experian and XXXX. They removed it on XXXX but they were not able to remove it on Experian and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-01-06 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: CarMax, Inc.
State: MO

Complaint narrative:
I viewed my XXXX credit report and noticed 4 inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
I viewed my XXXX credit report and noticed XXXX inquiries for attempts to establish credit. Below are the inquires with the inquiry date : XXXX XXXX Services : XX/XX/XXXX Prosper/XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/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 2022-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2021 a purchase was made from XXXX in the amount of {$430.00} and financed using Affirm. The purchase was received and returned to XXXX. XX/XX/2021 XXXX issued a refund for {$110.00} and XX/XX/2021 for the amount of {$79.00}. After noticing a overdue balance with my affirm account For the amount of {$140.00}. I contacted XXXX. After numerous calls wayfair was able to locate and correct the issues. Then I checked my affirm account again and realized that I still have an overdue balance. I have contacted Affirm numerous times and spoke to supervisors I even sent Affirm a statement provided to me by XXXX and my account still shows an overdue Balance. On XX/XX/2021, XXXX called me to check on this issue and after I explained to her the issue still exists she called affirm with me on the line and a supervisor told her there is still an overdue balance. We couldn't believe it even with the statement from XXXX Affirm is still saying I owe money. Not to mention the emails I get from affirm stating my account is overdue is stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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

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 2022-01-06 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: NC

Complaint narrative:
this message is for XXXX and transunion and XXXX. i want to let them know that XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX are all being reported and the nc department of justice is now involved with those accounts and creditors. i received emails from some of the creditors and letters and i called some of them and most of them stated they will no longer contact me. i will add documentations so these accounts can be removed from my credit file for good. also XXXX XXXX XXXX showing on my report should deleted. they are being investigated as well. as well as 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