vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: TX

Complaint narrative:
I lost my card in XXXX and there was a transaction made, I maid a fraud claim and Self Lend told me it would take about 7-15 days to get my money back. They actually took 3 months, then they took it back out they decided to close my account and keep that money. They dont want to give me the money because they said I owe that money, I dont owe anything because that is a secured credit account I deposited {$2000.00} when I opened that account they never lend me anything. They kept taking and taking money from me from fees and statements!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CA

Complaint narrative:
The US Bank credit card account no XXXX is a fraudulent account. I never ordered this credit card and never charged anything on their either. I filed a FTC identity theft report reference # XXXX already. 
It appears some employees or officials of the US bank are involved in this identity theft through third party criminals or outside resources. Exact nature is unknown.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an unauthorized charged of XXXX by a hotel and I didnt authorized this transaction. I have disputed twice and they have reversed the credits and took it back from my account. The refused to give me on the unauthorized transaction. I had called the the second time said sorry my mistake we will credit that to you and the just took it on the XXXX of XXXX, 2023. Wells Fargo is the name of the institution. I have never filed a dispute with them and they dont believe me on this charge. I feel helpless. Please help

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 2023-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MI

Complaint narrative:
My vehicle was serviced XX/XX/2023 at XXXX XXXX XXXX XXXX. They charged {$2100.00} ( that was with a {$900.00} discount so originally it was calculated at {$3000.00} repair ) I got my vehicle back in worse condition, it took a few weeks for me to research and check it out to make sure it was just because my vehicle is old, when I found out they did not do the repairs they charged for, I called the shop, a worker said bring it in we will fix it, took it back to the shop, the owner called and said this is not our problem get your vehicle immediately off our property we do not even have the equipment to fix your type of vehicle, I spoke with him calmly and directly and asked how he fixed it in the first place, what repairs were done, why it was doing the things it was doing now, he started yelling and said take it to someone else, you got what you paid for discount service. 
I contacted Credit Karma immediately to dispute the amount that was charged by the shop. I received an email with no explanation just stating my dispute was denied. It took months for me to find a new repair shop I believed could be trusted, would inspect the entire vehicle and possibly fix what someone else may have messed up or done wrong. 
I received the inspection report and contacted credit karma again stating I have proof this charge was for a service that was not rendered. They replied " Hope this email finds you in good spirits .... After careful consideration your dispute has been denied ''. Again no explanation or anything just a informal email like writing to a distant family member. I responded with legal information, agreement terms, all the reasons why I believed they should help my situation. 
They responded over a week later, there has been no error we were unable to recoup any funds to refund your dispute. 

My understanding, they should not have to get approval from or be in agreement with the merchant/provider they should accept the proof of non service, review and provide a refund if it supports the customers claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I was in an auto accident and XXXX XXXX  deemed my vehicle totaled. I was subsequently charged for an insurance premium AFTER the decision to total my vehicle was made and sending me a payout. I informed XXXX that I should not be charged for an insurance policy on a vehicle I no longer owned, and I would not be paying for any insurance policies after the accident. They ultimately sent the debt to collections. 

Credit Collection Service ( XXXX XXXX XXXX XXXX, MA XXXX ) is now the owner of that " debt ''. This is showing as a negative report on my credit report with XXXX. After filing a dispute with them they closed the dispute without removing the item from my report. 

I have no intention of paying, or being penalized for payments on a monthly insurance premium that should have been properly cancelled by XXXX. This " debt '' needs to be removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
There is inaccurate information on my consumer report, the collection account by Midland Credit has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: KY

Complaint narrative:
I bought the car in 2020 and XXXX months after I got the car the the cars engine went out just out of the blue. Took to the dealership and they took to the XXXX dealership and come to find out the car had a recall on the engine. It took them a month to figure that out. So they finally decided they was gon na fix my car for free. Stating they was putting a new engine in. It took them XXXX  months and I kept paying my payments on time like I was told. So I finally get my car back and it seemed fine just like before. I always keep my oil changed. So i drove my car out of town and on the way back the car did the same thing as before. It jacked and them it wouldn't pick up speed and started smoking just like before. I had to have the car brought back by towel truck {$1000.00} because I was XXXX hours out from KY. Call the dealership again take it back. They kept it again for another month still hadn't called to say anything. So I kept calling they still hadn't looked at it yet. Prestige financial kept calling and I told them what was going on but they could care less. They kept asking where the car was and I told them. So I called the shop again and they said your financial company came and got the car without them even fixing the car. So I called them and they told me that couldn't wait because I wasn't making the payment so they was gon na sale it at their on personal auction and I was gon na be left to pay the balance. The car balance was still like XXXX. The loan was some upside down loan that I didn't kno anything about because if I did I wouldn't of ever signed up for that. They didn't explain anything about me paying for 1 years of Interest and nothing towards the loan itself. When u look them up they are doing alot people who have had bad credit or filed bankruptcy in the past like I had. I spoke with my lawyer and she told me what I could do but it's not right that my credit is gon na be missed up again because of them not fixing the car like they said the first time. They never replaced the engine because it would of never went out again a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used PayPal to purchase digital art from a seller in XX/XX/2022, but nearly XXXX months later the seller has still not sent the art despite the several attempts I've made to contact him. He even assured me that I would receive the art very soon at one point, but of course, that never happened. Unfortunately, too much time has passed since I made the purchase to request a refund directly through PayPal. I have already tried submitting a case there and it was outright denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I am behind on my account and was told that they couldn't promise me for payment for a specific day that they would have to keep calling me. They have called me at least twice a day since I became past due. I would answer at least once a week to let them know that I was still working on it and yet they still called my references and asked them to have me call them back. Once I talked to them on Thursday and on Monday morning the called my son. I finally had to call them and asked for a cease and desist on my account. I am still receiving daily calls and voice mails which I have saved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 I received notice of a hard inquiry into my credit report that was made by TD Bank XXXX XXXX XXXX XXXX have not applied for any credit cards and have not applied for anything that would require a credit search. I have no associates with TD Bank and am not opening a Credit card with XXXX. More importantly, I did not authorize anyone to do a credit search and I believe this to be fraudulent. I am also worried that my identity may be jeopardized and am unclear how my information was leaked. 

Information of the inquirer : XXXX XXXX XXXX XXXX XXXX, MN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is inaccurate information on my consumer report, the collection account by XXXX XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is inaccurate information on my consumer report, the collection account by XXXX XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
My XXXX Bank And Cash App account was hacked on XX/XX/23 out of {$3000.00}. 
I originally called XXXX bank to verify my account because I wasnt able to log into my account or receive funds from my clients. I ended placing myself in the call back waiting pool. To were a representative was suppose to call me back and verify my account. Someone called me back but it turned out to be someone acting as a XXXX representative the guy had me download a remote app to were he gained access into my cash app account. He originally sent {$3000.00} to my mom she calls me while on the phone with him to tell me I sent the money to her. I stated I didnt, so she refunded it back to me to were the money was now in cash app account. He sent the money to a XXXX XXXX. I immediately called cash app to report the incident. They insisted to reach out to chime and stop the payment since it was pending. I did just that and filed a dispute. The dispute took up to a month. Only for chime to close down my account before the dispute in their end was finalized. Cash app denied my claim stating I sent the money to the person that hacked my account. If both banks did proper investigation they would of found out that I never sent over {$500.00} to nobody let alone the stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint is against Equifax, XXXX and XXXX for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. Equifax has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 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 information Any other adverse item of information, other than records of 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
Having issues with wellsfargo. 

Our auto loan was refinanced through XXXX federal, we mailed the payment check to wellsfargo which was for a greater amount than the loan. XXXX XXXX paid {$57000.00} and the loan was under that. Wellsfargo split up the check and is still requesting money from XXXX after the account was closed and loan was paid off. They reopened the account and are saying we owe money and are sending us to collections. We spoke to them 6 times over the phone with no resolution.

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