vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wire sent XX/XX/2023 to beneficiary in XXXX with Name " XXXX XXXX XXXX XXXX XXXX '' in amount of USD XXXX. Beneficiary name is important because we have done this before without issue. Beneficiary says " money has not arrived because you entered our company name incorrectly in the remittance field ''. The only difference in the beneficiary name is the last characters " XXXX, XXXX. '' not added due to field limitation. Besides the characters in name too long for field, the characters comma and dot are not permitted. However, we have not had this problem before using beneficiary name. XXXX XXXX. XXXX was created with Wells Fargo bank XX/XX/2023 and was to provide status in 5 business days. Wells Fargo bank said they would send " message '' to bank to correct beneficiary ( I think something else is going on since this name has worked before ). No such acknowledgement was received for case created or status. Further visited Wells Fargo bank XX/XX/XXXX and called XX/XX/2023 without result or accepting to provide acknowledgement of a case but do have record of the case.

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 2023-12-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX vehicle which is being financed by Toyota Motor Credit. At the time of purchase, I also purchased a Tire & Wheel service agreement for {$1700.00}. The service agreement was not included in financing. I paid the cost of the agreement in full with my debit card. The service agreement indicated that I could cancel the agreement within 30 days for a full refund. I submitted a request within 30 days and the agreement was cancelled. However, TMC will not issue a refund. Ive called and emailed customer service and the reps keep indicating that there is a lien holder and Im not entitled to a refund. They cant comprehend that the lien holder applies only to the vehicle, not the service agreement which I paid for separately. 

Im asking for your assistance in obtaining my refund from Toyota Motor Credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: MI

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX-XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-12-20 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: MI

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened brand new account. XXXX  XXXX with Chase Bank . I funded {$500000.00}. I moved the money from XXXX XXXX. Since there is a promootion at Chase bank which stated that to qualify the bonus, I need to have the new money from other institution, and the funds need to be held by Chase. After 90 days, I should get the {$3000.00} bonus. 

Today is already XX/XX/XXXX, Chase still did not give me the bonus and Chase closed my bank account. Chase said they can not open my account. It is rediculous!!! On XX/XX/XXXX, I got bank statement from Chase. They opened my account already. 

Could you please help me on this matter. This is my saving money to support the family, Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a XXXXXXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/, XXXX number XXXX XXXX XXXX XXXX. It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card & allow me to pay back the bank myself. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with my bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. They have not been very helpful and i am open & willing to pay the bank back whatever was charged to this persons account. It has been on going for two months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first.

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 monetary relief
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
My mortgage is with Truist. I bank with XXXX Bank. I use XXXX XXXX to pay all my bills. When I use bill pay to pay Truist, Truist will NOT accept electronic payment from XXXX. My bill pay actually cuts a check and sends it in the mail which significantly increases the amount of time it takes for Truist to record my payment. All sorts of other financial institutions and companies accept electronic bill pay payments from XXXX but not Truist? Why is one of the biggest banks in the country refusing to let XXXX Bank send the payment electronically? XXXX has tried to make the change at least twice for me but Truist won't accept the money electronically. Again, this significantly delays the amount of time it takes to record my payment to Truist. Thank you for your attention to 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 2023-12-20 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: MA

Complaint narrative:
XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX The following personal information is incorrect. Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX The following personal information is incorrect. Please remove it from my credit 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 explanation
Consumer complaint received 2023-12-20 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: MD

Complaint narrative:
My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment from those managing this data. Therefore, kindly furnish all available details elucidating how responsibilities towards accuracy and compliance were neglected. I formally challenge you to scrutinize your records concerning me. In accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to FCRA and applicable Metro 2 data field formatting standards is expected.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful provision of correct information in a timely manner to avoid violating any of my rights. I am aware that generic form letters have been sent in response to disputes and challenges from consumers, irrespective of the specific information provided. This is illegal, as each dispute and challenge should be addressed individually based on its merits. My letters were generated using widely available software. Failure to process my letters constitutes a violation of 15 U.S. Code 1681i.

Please note that delaying the processing of consumer letters based on assumptions of third-party assistance is not a legal exception. I am the author of any letters bearing my name, created with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be construed as an intentional disregard of my consumer rights, prompting legal action through my lawyer.

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 2023-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX owes you {$3000.00} the dealer and I agreed to finance {$13000.00}. They added on warranties not under disclosure. I have documents to prove. The buy rate was set at 21 % interests. I agree to the loan amount with XXXX XXXX for {$13000.00} In violation of US COde 1662 B. XXXX XXXX I refused any warranty. I have receipts the dealer asked me to put up {$3000.00} towards the loan amount.? the Balance is incorrect. The dealer warranties include {$310.00} key protection. ( returned ) {$990.00} Dealership paint package. The amount financed is now listed on my bill as {$16000.00}. Balance should deduct all taken in cash illegally. {$12000.00} should be the tinder amount owed. Collect your money from the dealer. I would like this balance to be reported to my consumer report. Ally has not reported to any bureaus. I have made notice of the dispute for incorrect balance once ALLY post. With this information Ally has time to make it right by correcting the balance and due date before they make a report on my consumer profile. I will monitor all activity with XXXX and XXXX. 

This contrat Interest with ALLY should be nullified. This mistake is going to harm the original interest amount agreed upon by the dealer. This is my consumer report and I have to report inaccuracies in the balance from ally auto. XXXX XXXX added these charges to me {$3000.00} + XXXX key warranty XXXX XXXX XXXX XXXX. Ally Financial does not have the copy of lean, copy of registration, copy of title. When I called to confront I was ignored. It was not disclosed this amount to be financed as {$16000.00} at 21.49 %. Ally Finance does not know the terms of the contract. the correct balance should be XXXX after dealership theft.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B

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