vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC
State: LA

Complaint narrative:
XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX in Kentucky the lienholder listed is XXXX XXXX XXXX Acceptance XXXX Ohio. After an XXXX XXXX I ended up in North Carolina at XXXX XXXX. The XXXX XXXX was registered In North Carolina and I was given a plate. XXXX Westlake Financial sent me a lien-satisfied letter. I suppose during my XXXX XXXX, the lien-free title was sent to me and I never got it. In early XXXX, I came down to Louisiana and dropped off the car and all my things. I am currently XXXX in XXXX XXXX for XXXX years, being that I no longer need the car, I offered it to my mother. We tried to get the title with no such luck. In XX/XX/XXXX, my North Carolina plate registration was canceled and I had my mom send the plate to North Carolina. So now I have a car sitting in Louisiana with no plates because I can not register the car or donate it to my mom. I have made multiple attempts to get the title. Westlake Financial has just given me the run-around. I am in the XXXX XXXX and currently XXXX XXXX for my country, the XXXX, and it's a shame that I can not receive what is rightfully mine. I paid in full for that car and now I can do nothing with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to request a copy of my consumer credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). 

I am seeking a comprehensive and accurate copy of my credit report, including information on my credit history and any associated public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had applied for a capital one savor card to use the no interest promotion to make a purchase. The promo period was still running but I was charged interest last month. I called and after some time on the phone resolved with them just crediting the interest and I would pay the balance in full. This month I notice that I am being charged {$13.00} in interest when I have a {$0.00} balance. I did not use the card at all after making the payment in full as part of the agreement we made. I called today, XX/XX/XXXX to try and resolve this and they tell me they can not as I did not pay the full balance due. I explained to a representative and a supervisor the agreement we had and they said the same information. I informed them I could not pay more than what was owed on the account so the interest charge did not make sense as I had no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed some unauthorized inquires on my Equifax consumer file report. I tried to call and write them regarding this. they have not responded and refuse to remove these over the phone after I verified myself and explained I did not authorize these inquires : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
i went into the branch to make an international wire transfer. was informed their system was down but that i could easily make the transaction myself at home. i explained that it was for a lot of money ( XXXX ) and i was nervous about doing it myself. i was assured by the banker that it would be fine. i initiated the transfer that same day, XXXX XXXX XXXXXXXX i received a confirmation email stating that the transfer was underway. 2 days later i was informed by the recipient that the funds had not been transferred. i went into the bank again and sat down with a banker to resend the wire and discovered that my entire account had been frozen. The fraud department had not bothered to call me but instead just cancelled my transaction. when the banker resent the funds on the XXXX XXXX XXXX XXXX rate had changed and the transaction cost me an extra {$1800.00} to send the same amount that i had " sent '' XXXX days before. im asking the bank to refund me as there was no attempt to contact me on the day i initiated the wire. XXXX also sure steps could have been taken inside the branch on the day of my initial transfer to make sure it was not cancelled. possibly a simple phone call to the fraud dept stating that i was going to be making this transfer. the bank let me down and has cost me a lot of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I applied for loan payments to direct deposit in XXXX of XXXX with the expectation that direct deposit would start in XXXX as per Edfinancials website. At the end of XXXX XXXX I found that Edfinancial had never started direct deposit and I was XXXX loan payments behind, and technically 2 months late in payments. I called Edfinancial at the end of XXXX, a representative confirmed that they had record of me applying for direct deposit in XXXX of XXXX and proceeded to inform me that there was a delay in acceptance of direct deposit applications. At no point in time was I notified of this delay, or the possibility that I would have to manually pay my loan every month. At that point in time, I had to pay XXXX unexpected extra loan payments in addition to XXXX payment due to Edfinancials negligence, which I could not reasonably afford. When discussing the problem with an Edfinancial representative they assured me that my application would be approved by the time my next payment was due in XXXX, and upon my next due date I found that my direct deposit was again never put into effect. I feel that this problem is at the very least negligence, if not a deliberate attempt to gain extra interest and late fees from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I'm asking for lower payment options and I give them all of my payment options and I still can't afford the " so called lowest payment that they '' can give me is {$120.00}, when previously it was {$60.00}. It has done nothing but get higher and higher. I'm a single mother I do not qualify for welfare. I have rent, car note, groceries to buy. They aren't giving me any other options while they destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid of my balance, however they charged me some INTEREST FEE, without my knowledge, because I enrolled in paperless billing since my account was satisfied. Only for me to check my consumer report and notice MACYS has reported this information to a third party reporting agency without my consent and knowledge of and fees due. This is extortion and a violation of fair debt collection practices. According to 15 USC 1666b Timing of payments. Macys and their registered agents are for accurate information. This information is not accurate. I was returned a check for their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 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 non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been reporting Date Of Last Activity incorrectly/differently on my XXXX and Equifax report which is in violation of the FCRA reporting compliance guidelines. Also when I disputed these inaccuracies in XXXX of XXXX with the credit bureaus the referenced companies went in and updated my Date Of Last Activity to XX/XX/ when the date of last activity on the referenced accounts were initially different which is also a violation. Credit bureaus continue to say these accounts are verified as accurate when they clearly are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been reporting Date Of Last Activity incorrectly/differently on my Experian and XXXX report which is in violation of the FCRA reporting XXXX guidelines. Also when I disputed these inaccuracies in XXXX of XXXX with the credit bureaus the referenced companies went in and updated my Date Of Last Activity to XX/XX/year> when the date of last activity on the referenced accounts were initially different which is also a violation. Credit bureaus continue to say these accounts are verified as accurate when they clearly are 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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am exercising my right under section 605B ( a ) of the FCRA to request a block of the following information due to Identity theft : XXXX XXXX  account # XXXX. My original request to block was sent via mail but was ignored by TransUnion. Ive attached the receive receipt and my original identity theft 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 non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have some court issues, and the DA requested records release from Chase, they call it a XXXX. This put holds on my accounts and my childrens accounts in the amount of XXXX. I have spent hours dealing with this, and all they say is the conty court ordered this. Both the DA and the judge said they did not. I have my lawyer trying to get my {$3300.00} and my sons {$2700.00} release and his account closed. My lawyer states the have no authiroty to hold my funds unless I owe them money, which I do not. They refuse to release these accounts. My son and daughters accounts should not be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY

Complaint narrative:
XXXX Case Number XXXX Wells Fargo Bank XXXX XXXX. 
XXXX XXXX via XXXX XXXX issued through Wells Fargo XXXX # : XXXX Network : XXXX XXXX ID : XXXX ARN : XXXX Retrieval Ref # : XXXX Bank 's customer issued a fraudulent statement about having contacted me to cancel his non-refundable subscription. Customer disputed charges via bank. 
In the dispute bank issued non-working contact details. Email address XXXX is non-functional. Wells Fargo Customer service refused several times to put me through someone dealing with this case. 

Fact is, bank 's customer signed up to a subscription service, customer even admitted ( submitted as evidence to bank ) that he didnt know it was a subscription service, that things were cleared up after he reviewed the terms of services which clearly state several times that this is a non-refundable subscription service. 

Bank 's XXXX system does not allow for correction or resubmittion of newly found evidence that came to light after the submission of evidence. 

Bank of Wells Fargo received several emails to a publically available email address with the expressed instruction to forward the case ( dispute case and details were attached via PDF ) but failed to follow through / follow-up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I used an XXXX store card through synchrony bank to purchase XXXX things between XXXX of XXXX and XXXX of XXXX totaling XXXX, XXXX and XXXX. The balance was paid off on XX/XX/XXXX after the first XXXX purchases and as of XX/XX/XXXXXXXX XXXX XXXX the balance was paid off again. The account wasn't used by our family again. We started using a budgeting app and immediately found out that the card was still taking monthly payments from my personal bank account. I started an investigation with the Synchrony fraud department XXXX separate times only to have them reopen the account and issue another card each time. the third time I requested all the statements for the life of the account, and I received it XX/XX/XXXX. after going through the statements i realized it was in fact an account that i opened but since XXXX of XXXX someone has been making purchases using my card that I was unaware of. the current balance of the card has exceeded the line of credit, and the Synchrony bank XXXX department will not take action. their excuse is the account is more than XXXX XXXX XXXX, the statements were never returned, and the automatic payments were always on time. I have put an XXXX hold on synchrony bank to stop withdrawing payments and synchrony has not done anything to stop this from happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on XXXX and XXXX on TransUnion & XXXX XXXX report date XXXX XXXX as of XXXXXXXX XXXX XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXX & XXXX XXXX XXXX on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on Equifax and XXXX on XXXX & XXXX XXXX report date XXXX XXXX as of XX/XX/XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXX XXXX XXXX last reported on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 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