vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I financed an automobile through Ally Financial on XX/XX/2022. To date, the dealership has not been able to register the car under my name in the State of New Jersey since they do not seem to have the title. I have attempted repeatedly to contact the dealer, file a complaint with the NJ XXXX XXXX XXXX, & XXXX I have also filed a legal complaint and hired an attorney. 

As far as Ally is concerned, I have also repeatedly called them and requested that they intervene given I am a customer of theirs who has not been treated fairly and they are technically supposed to have the title of the vehicle given its financed and represents collateral against the loan. They have given me conflicting information, their agents arent trained and knowledgeable at all on how to handle these types of situations. They have asked me to email to XXXX, which I have done to no avail. They keep telling me that their titles department has been attempting to contact the dealership and when I requested to find out what their escalation procedures are for cases like mine, agents are cluelessThey also clearly do not understand third party risk as in taking unwarranted risk of doing business with another party that doesnt treat its customers fairly and equitably. I have requested that they consider taking legal action or escalate the case on their end but they arent willing to or essentially able to given they keep receiving the monthly payment from me on the loan and absolutely indicate XXXX regard for what their customer is going through.

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 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Roughly two weeks ago I attempted to settle the debt between me and midland funding. They would not send me a written agreement or agree to remove the debt from my credit report after payment was recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
On XX/XX/25 I went to a Kia dealership in XXXX. I leases a car and my credit was ran on the same day and approved. I got a notification that I had 2 hard inquiries ( which is the normal process ) one from the dealer and one from the finance company. Two days later, I get another notification that my credit was ran again which lower my perfect credit score. This practice should be illegal and the dealership should be the one getting this removed.

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 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was scammed out of {$2100.00}. A scammer posed as an employer XXXX XXXX XXXX XXXX XXXX XXXX on XXXX which looked completely legit using a real business. I applied for the remote/work-from-home position, the fake employer reached out days later to schedule an interview. I interviewed XXXX XXXX XXXX XXXX XXXX XXXX and accepted a job offer and even signed an employment contract with the business. The employer then advised that my work materials like a computer, monitors, docking station and printer are funded through a contract with their insurance company that provides health benefits for the company. The employer said the insurance company XXXX XXXX will send me a check for the amount of the items, and I am to deposit the check which I did for {$2100.00}. I didn't think much of it as from my understanding this was a XXXX XXXX XXXX XXXX, and I haven't applied for a job in over a decade. Once the check hit my account and cleared which it did on XX/XX/XXXX, I was then to transfer money to ( 2 ) individuals via XXXX which I did. I was provided their names and email addresses for the transfer. The two individuals were the supposed vendors that supplied the computer etc. I figured this was just part of their process since again they are a small company and I have never applied for a remote position before. I didn't know what to expect. After transferring the money as directed, come to find out that the check from XXXX XXXX that was provided to me was returned on XX/XX/XXXX, and the bank XXXX Bank of America ) took the funds out of my account to cover the returned check. I have ALL documentation, XXXX conversation, emails, etc from this scammer. I placed a claim with Bank of America on XXXX XXXX XXXX XXXX that was denied. I also reported the scammer to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: SC

Complaint narrative:
I took this interest loan at a time if need. The loan was scheduled for semi monthly payment until paid. On XXXX XXXX 2023 my account was erroneously drafted. This will not only cause overdraft fees that they say will be taken care of but also cost me a day of work that I will not be compensated for. Due to an online system calculation error the fee schedule listed an erroneous draft date out of sync with the pay schedule based on the last pay date entered into their system. My cell phone will be disconnected because the funds are not in my account for me to pay it. This is causing me hardships they will not cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Purchased an Xbox financed by Citizens One in XXXX XXXX. Returned the XXXX after a couple of days. Loan was supposedly closed out. XX/XX/XXXX I received an alert that one of my credit accounts was in derogatory status. Per credit report, account was never closed. Called Citizens One, they claim they told the credit agencies to remove derogatory remark ( because they claim they didnt even know why it was there ). Now all of my credit scores and reports have taken a huge hit over the derogatory account status. Not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The following inquiries are reporting illegally to my credit profile. I I DID NOT AUTHORIZE NOR CONSENT to any of these credit applications : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received my Chase debit card and I was trying to activate it. When activating it their system asked for my pin number. Because the account was not activated I do not have a pin number. Therefore I could not activate it. 
I called Chase customer service and stated the situation. The customer service transferred me to a system that requires my pin number which was not helpful at all. 
I then tried to activate it online on chase.com, only to be told my card was already activated. 
So my debit card is activated without my permission and have a pin number I do not even know/ did not even set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is 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. 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 XXXX is being investigated by the FTC.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is 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. 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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is 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. 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 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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is 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 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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
The company put the mortgage account under someone's XXXX who never owned the property. I have tried for XXXX XXXX to prove that person never owned the property. They continue to provide tax information and all of it has the wrong XXXX. I have provided the trust documents and they still refuse to put it under the proper XXXX. I have gotten a lawyer involved and they still refuse to change the information. There is not one person to go to so you have to explain the situation to a different person each time you call. 

The company is SPS ( Select Portfolio Servicing ) In XX/XX/2022 I reached out to change the account name because the Account name because the account was associated with grandmother not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead of updating the account name to match the SSN they updated the SSN to match the account name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided various documents proving she never owned the property but company has not changed the information. They agree that the property belongs to me but they have so many departments that can not interact with XXXX another that nothing has been done. I need to file taxes but they continue to provide erroneous tax information

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/3023 I stopped my Wells Fargo debit card ending in XXXX and ordered another. The bank authorized charged on the card on XX/XX/XXXX, XXXX, XXXX Totalling {$290.00}.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is 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 explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is 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 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 2023-01-27 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: WI

Complaint narrative:
I'm really 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
In XXXX of XXXX I purchased XXXX XXXX  XXXX and used my chime card to pay for it. As of this date of XXXX XX/XX/XXXX I still had not received my couch so I fought with XXXX to finally agree to get my money back however they kept saying they were unable to send me my money back though chime. I then contacted chime and went though the customer service which when talking to them agreed that I should get my money back and started a dispute for me. I provided proof of the merchant stating that the best course of action would be to get chime to reverse the transaction to get my money back. However, Chime and their dispute department failed to actually do anything and they simply denied my claim. I have proof of the cancellation from the merchant and confirmation that I should get a refund back. I sent all the screenshots yet again to chime and got denied again..Chime seems like isn't investigating anything or reading any of the provided evidence when claims like this are occurring which is unlawful. I have all the proof of XXXX stating my refund should be provided to me back from Chime. Please investigate Chime and their bad practices with consumers like myself, also hoping I can rectify the situation and get my money back. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Attached is an identity theft report that has the following fraudulent inquiries reporting to my TransUnion credit report. 

TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX Bank XX/XX/2023

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I had a credit card with WF up until it was suddenly Closed. In XXXX. I have no late payments, no outstanding payments and did not go over any limits during my time of having a credit card with WF. I spent over four hour being transferred on the phone from online banking, the credit card department, the claims department to line of credit department. I have good to great credit from every agency, but can not get a credit card, because of something WF did. I can not find any delinquencies and wrongdoing on my end. Every time I call the credit card, WF departments, they tell me, " we will send you a explanation in the mail ''. I have requested explanation verbal, written and electronic for almost five years now, with no explanation. I have been making payments with the same amounts due for four years. I currently own {$5600.00} and have been making on time payments since the closure. That amount is not even close to the amount I had as my limit, so therefore my card should have never been closed. The limit was {$15000.00}. 
One month the interest rate is {$54.00}, then {$59.00}, then {$57.00}. I am being charged nearly half percentage every month of what is owed. 

The actions I have taken are contacting WF initially for four hours trying to get something resolved. I have spoken with every department they transferred me to, via phone. I have gone into the banks for explanations with no answers, but that I can not either open my account or even a new one without explanation. I have reviewed my credit card scores from multiple agencies in which there are no red flags. I've spoke with WF " claims and disputes '' and they have stated that it was closed due to " red flags ''. Years later I have attempted to open up another credit card and they stated I could not and to contact WF on the reasoning why.

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