vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX I bought a used car in XX/XX/XXXX and the financing department of the car dealership got financing with Fifth Third Bank. 

I immediately went to their website to sign up for automatic payment for my car payment. I printed off the form, filled it out with my bank info and faxed it back to Fifth Third. 

On XX/XX/XXXX i received a confirmation letter that my auto payments have been set up. 

On XX/XX/XXXX to be sure my payment would be take on XX/XX/XXXX ( my first scheduled payment ) I did a chat on the Fifth Third bank website with their representatives and after some initial confusion ( on their part ) they assured me that indeed my payment would be taken out on XX/XX/XXXX. 

Today I went to the website to check on my loan and was met with IT LOOKS LIKE YOU MISSED A LOAN PAYMENT. 

I have screen prints from XX/XX/XXXX conversation chat I had with a Fifth Third representatives who verified my XX/XX/XXXX payment would go through as it was set up and per my confirmation letter. 

Today I asked for a supervisor at Fifth Third Bank and XXXX got on the line and said my first payment would be made on XX/XX/XXXX and that I could make a payment now and still be on time because of a " grace '' period. 

This bank is nothing but a fraud. I have never worked so hard or spent so much time trying to get a payment made on time. I told them I would be contacting the XXXX of Banks to file a complaint and XXXX said " ok ''. ( I now know it's CFPB ) Please help. I did not give them any payment today because they assured me they were taking the payment on XX/XX/XXXX. I want them to do as they assured me and not lie to me. They need to make this right. If they can lie about my XXXX payment, why not lie about my XXXX payment? Meanwhile they will destroy my credit. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023 I applied & was approved for a Costco Citibank card. I never received the card in the mail, so I called on XX/XX/2023 and XX/XX/2023, only to be told there were charges on the card, which I confusedly told them that's impossible as I'd never received it. 

Someone stole the card either on the mail route, or from my mailbox and charged {$800.00} in XXXX days on the credit card ; Citibank did not inform me of this until XX/XX/2023 when I called in looking for my card. 

They have since overnighted me a card which I activated on XX/XX/XXXX, but they carried over the {$800.00} in fraudulent charges which is nearly half my credit limit ; they also did not immediately credit me for the fraudulent transactions, even though all of these transactions were made in XXXX ( two counties over from me ) and I live in XXXX XXXX. 

I want these charges immediately credited, as I have proof & timesheets that I wasn't in that area as I work during the week.

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 2023-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
am not a lawyer, but I can attempt to provide some general information. If a mortgage company fails to maintain an accurate loan origination date, it may potentially violate several sections of the XXXX XXXX of Georgia XXXX ( XXXX. ). However, to determine the specific parts of the O.C.G.A. that might be violated, it is essential to consult with a qualified attorney who can assess your situation in detail and provide precise legal advice. Here are some potential O.C.G.A. sections that XXXX be relevant : O.C.G.A. XXXX ( XXXX and False Swearing ) : This section addresses false statements or representations made knowingly, with the intent to defraud. 

O.C.G.A. XXXX et seq. ( Georgia XXXX XXXX Practices XXXX ) : This act governs deceptive trade practices and unfair business practices in Georgia, which could include misleading borrowers about loan origination dates. 

O.C.G.A. XXXX ( False Advertising ) : This section pertains to deceptive or misleading advertising practices, which XXXX apply if the mortgage company advertises loan terms inaccurately. 

O.C.G.A. XXXX ( False Statements in XXXX ) : This statute prohibits false, deceptive, or misleading statements in connection with the advertisement of consumer goods or services. 

O.C.G.A. XXXX ( Violation of Title ) : This section establishes that violating the Georgia XXXX XXXX Practices Act is considered a violation of Title XXXX of the O.C.G.A. 

O.C.G.A. XXXX ( Power of Sale Foreclosure ) : This statute deals with foreclosure procedures in Georgia. If the mortgage company uses an inaccurate loan origination date as part of the foreclosure process, it may potentially violate this section. 

O.C.G.A. XXXX ( Deed of Trust Foreclosure ) : This section is specific to deeds of trust, which are used as security instruments for loans. Violations of this section could be relevant if the mortgage company 's actions involve deeds of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Hello. I literally came into a branch on XX/XX/XXXX and spoke with someone about making sure my account didnt get closed. I called customer service and they said the account never got unlocked. So now Im here waiting 5 days for my paycheck to get deposited into my account because of Wells Fargo XXXX up. I need my money and I had called wells Fargo 2 times Wednesday XX/XX/23 at XXXX and then at XXXX to find out where my check was. I now I have to wait XXXX more days to receive my paycheck because again of Wells Fargo XXXX up. This is complete XXXX! I called and spoke with a XXXX of customer service XXXX  and she started cursing me out. Saying I never called, Im just lying then why do you guys record your calls? Because you can go back and check them! XXXX XXXX and I cant go longer without my paycheck! And Im not paying the overdraft fees in my account because of you guys XXXX up! I had already asked about getting them waived and I was told yes and then all of a sudden no. I shouldnt have to wait this long for my paycheck!!!!

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: 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: FL

Complaint narrative:
I contacted Equifax multiple times about inquires that were not endorsed by me. Equifax ignored my correspondences and refused to remove the inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have already contacted Transworld Systems Inc.to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX XXXX. A police and Identity theft have already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, Transunion, and XXXX are all furnishing inaccurate information regarding an XXXX XXXX account. I have highlighted all 8 inaccuracies in a PDF sent with this compliant.

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: 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: FL

Complaint narrative:
In XXXX of XXXX  a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you

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: 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: FL

Complaint narrative:
In XXXX of XXXX  a 30 day late payment was reported in error on my XXXX auto loan. Since that time I have been attempting to work with both XXXX and the credit bureaus to have the account updated to report correctly. The credit bureaus continually tell me to dispute the issue. I have been following up with them every 30 days to only receive the same response, " do you want to dispute the account? '' never acknowledging my previous correspondence or phone calls. This has gone on for over a year now. My XXXX account was paid on time month after month. This is a simple error that requires correcting. I would appreciate the credit bureaus being held accountable for their total lack of cooperation. Thank you

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: IL

Complaint narrative:
We financed with XXXX XXXX XXXX XXXX to buy out my current leased vehicle with hyundai capital America doing business as XXXX XXXX  XXXX. The vehicle VIN is XXXX. It was paid off on XX/XX/2023 with amount {$29000.00}. We contacted their title department to release my title multiple times since I paid off and they said the title was mailed out on XX/XX/2023 without tracking number and refuse to provide any proof that the title was mailed out. As of today XX/XX/2023, my current lien holder still did not receive the title. Since it is a leased vehicle, there is no lien release letter and only XXXXXXXX XXXX can call IL XXXX to get a duplicate title and update the names on the title. We contact them every 4 business days ( which is their indicated time window to process our request ) for multiple times till now and every time they just gave a different excuse but not actually get the title for us. It caused me a lot of trouble trying to sell this vehicle without a proper title.

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: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated Bank is reporting false late payments on a previous mortgage I had with the lm while I was married. I have always paid my portion of the mortgage on time never late. 
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and payment status from XXXX immediately. Thank you

Company response to consumer: Closed with explanation
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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX, I was out of state and wanting to use my card through XXXX XXXX to make a payment for parking. I tried to send payment through and it would not process. My sister attempted the same and could not successfully process a payment either. She proceeded to use a XXXX card to complete payment. We thought it was a fluke, went to another store and had the same experience, I ended up using a card I had with another bank. The store clerk told me that other Regions Bank customers were having that same issue that day. Had she not shared that anecdote, I would have had no clue about what was going on. Money was in my account but I could not use it. I filed a complaint with Regions XX/XX/XXXX and still have not not received follow up. I called the customer support line and am having a hard time getting through to a person to follow up with.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/2023 I opened an accelerate savings account with Citibank with the following promotion Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the Citi Accelerate Savings Leveled Bonus Offer. 
As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new Citi Accelerate Savings Account within 20 days XXXX account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account ( XXXX ) every day for 60 days from the XXXX day after account opening. * Balance Levels* Maximum Bonus* {$20000.00} {$49000.00} {$150.00} {$50000.00} or more {$450.00} XXXX full details, including how to remain eligible for the offer, please see the offer Terms and Conditions. 
If you are eligible and fulfill the required activities, your Cash Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. Your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Cash Bonus. 



My account had {$30000.00} in the account by the end of the 21 days so I should I have received {$150.00} after 60 days. Citibank is saying that no promotion was attached to my account.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
this is a fraud account please delete from my consumer 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 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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. has violated my rights.

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. 
XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

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. has violated my rights.

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. 
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 XXXXXXXX

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: National Finance Company, Inc.
State: NC

Complaint narrative:
I have filed several complaints and have told them multiple times to stop calling me. They refuse to do so. My payments have never been 30 days past due. I have never missed a payment and today I am only 9 days behind and they are calling again. I have told them over and over to stop calling me. They are calling my cell and during my work hours. They know this but do not care. When they are not calling about payment they are trying to solicit! The name of this company is National Finance Company located in XXXX NC at XXXX XXXX XXXX XXXX XXXX XXXX zip code XXXX. Their phone number is XXXX. My name is XXXX XXXX and my account number with them is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation