vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX from Wells Fargo did contact me from the Auto Finance department. He refused to listen to me regarding looking into how much I earned each month to be able to pay on the car loan. He said 'Wells Fargo is not required to look at my deposits into my checking account. 

I told him that I did not receive the sales paperwork for two weeks after the sale, and that I contacted Wells Fargo the very next day of the loan to have it dissolved. They refused to do so. I then told them I did not have the paperwork, so I was then told to contact Wells Fargo Auto Loan once I received the sales paperwork, which I did. 

The only options I had as they stated that my signature was on the loan was to either 'Refinance, Sell or have the vehicle repossessed. I did attempt to refinance the vehicle, but was told that it was only worth, at the most was {$17000.00}, and that it was only in fair shape. I got the XXXX from XXXX XXXX XXXX. 

So, Wells Fargo Auto Finance is not willing to do anything to help with this ugly situation.

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 2023-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Bank held almost {$13000.00} of my money from a check deposit but never made the funds available to me for almost a month. 

I had to deposit a check that was made out to me and my partner, however we do not have a joint account. Ally Bank advised that we just needed to mail them the check with both of our signatures and a copy of my partner 's driver 's license, which we did on the 2nd week of XXXX. 

Called the bank the following two weeks with no update on the status of the check. On XX/XX/XXXX, I then asked the company who issued the check to just stop payment and wire me the funds. They informed me that Ally had already taken the money from the check on XX/XX/XXXX, which they did not inform me about, and Ally had not deposited the money to my account- and they never did. 

When I called to ask Ally, no one had an explanation on why they took the funds but did not apply it to my account. They then sent me a bank check for the amount which I tried to deposit to my account. They rejected it because they can not deposit Ally checks to Ally accounts (??? ). 

I have now closed my accounts with them, however, a month after this all happened, I can not stop thinking that this was an egregious lack of competence and should be investigated. 

They held my money- which was not an insignificant amount- for almost a month. They made it seem like they had not received my check yet but they had already taken the $ XXXX. They did not give me timely updates and repeatedly gave me bad, sometimes even conflicting, information. I do not understand at all how its legal for them to get the funds, hold it, but not transfer it to my account- effectively making it impossible for me to access it at all. It felt like my funds were being held hostage.

I am reporting this so that other customers do not have to experience this ineptitude and very shady business practice.

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 2023-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

I've disputed the accuracy of my payment history on two of my XXXX XXXX accounts. Disputes made through each credit reporting company and all continue to come back verified as accurate. I've sent certified mail and called reguarding this information and requested documents that show the verification. I have yet received and documents and the inaccurate reporting still shows on my credit profile. 
Delete the late payment history and update the accounts and report them properly to all three credit reporting companies. XXXX, XXXX, and XXXX, each credit reporting company should all have the same exact information nothing should be different.

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 2023-02-21 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I Have several accounts on my credit report showing closed/ charged off still owing a balance deliquent etc.and I have tried to resolve these accounts several times but got no response and nothing is being done as a matter of fact there is a whole lot wrong with my credit report that is preventing me from getting anything, all three credit bueaus are not reporting the same things i have unknown unauthorized hard inquiries on my account they are reporting late payments on my account accounts that should have been off are still on showing a balance due i have sent validation letters letter form the clerk regarding my bankruptcy everything nothing is being done. 
1.RESURGENT CAPITAL SERVICESS L.P 2XXXXXXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received a copy of my credit report and, to my surprise, XXXX, XXXX and Transunion are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX lock that my information is on the XXXX XXXX. Strange addresses popping up under my name.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Online access not working to maintain account and pay bill. Every attempt to change password fails and responds with theres a glitch, this problem has occurred for 3 months, I am unable to log in and make payments which led to me being late 30 days and hurting my credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I set up auto payment when I got the Kohl 's card last fall. Each month I have had issues where the payment gets rejected and I am charged a late fee. When I go into my account the auto pay settings disappear and have to set it up again - even though the customer service person shows it has been set up numerous times. Their system does not allow you to set your payment date prior to the due date so that any issues can be addressed before the payment is considered late, notifications are only sent once a payment is late. Every month I have called Kohls to address this problem. They have told me I am entering my card in incorrectly and there's nothing they can do. I have double checked my account numbers to assure they are correct, and it shows a verified XXXX XXXX XXXX account after it is entered. They claim there aren't any reported issues with their autopay, but this has happened 3 months in a row and has not negatively impacted my credit score. I love the in store benefits of this card but am tired of the constant problems trying to pay the balance. It shouldn't be this difficult or time consuming to pay a bill. Please address these issues and improve your online experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS LENDING CORPORATION
State: NC

Complaint narrative:
I am requesting that I can choose a local appraiser or local real estate agent to complete a new appraisal or estimate on my property value, as I am trying to get the PMI on my mortgage removed. XXXX is not allowing me to speak with anyone associated with the PMI department at my lender, Nations Lending. 

I want to remove a deduction on my mortgage of Private Mortgage Insurance ( PMI ). My home has increased in value from {$150000.00} to {$200000.00}. This is information I have gotten from local real estate agents. I was told by a realtor that there is some law enacted by President Obama that allows a bank to choose an out of area appraiser to appraise my home for value by using comparisons on MLS. I have to pay for a new appraisal to get PMI removed. The bank will not allow me to talk to the PMI department so I can ask some questions before I invest in a new appraisel for {$350.00}. An " out of area '' appraisal will not know that locally, a home at this price is sought after and has actually risen to {$200000.00} and higher, qualifying my home to stop PMI. I am XXXX XXXX XXXX, living on social security, and the extra {$45.00} is hard on our budget. 1. I want to know : Is this a Federal law governing home loans? 2. I want to know if I can legally request that a local appraiser or real estate agent to get home value 3. I want to know why I can not talk to PMI department at my lender. 

Here is my information : Loan # XXXX, Phone : 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 2023-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is 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 are being investigated by the FTC XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is 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 are being investigated by the FTC XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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 2023-02-21 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: CA

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. 
XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I was charged {$910.00} in the year XXXX in overdraft fees. I called the company to request the funds be refunded since they had kicked out the overdraft fees during this time. I was given 3 overdraft fees refunded and they removed the protection off my account and suspended it. I requested the remainder since my account always had funds, direct deposit from my employers, and they removed the fees entirely for all customers. They had refused and will not further assist 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 2023-02-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15usc 1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end and consumer plan as late for any purpose. 
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 2023-02-21 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: Receivable Management Group, Inc. (GA)
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received a credit alert that somebody was trying to obtain credit at XXXX XXXX XXXX XXXX a car dealership in XXXX California with my social security number. I called the dealership and they said not to worry that they would take care of it and honestly I don't believe they can.

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 2023-02-21 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2022, Paypal took {$940.00} from my business checking account with XXXXXXXX XXXX It was an " ACH withdrawal, PAYPAL XXXX XXXX XXXX ''. We have no idea who or what this is. We have spoken with XXXXXXXX XXXX who said we have to go to PAYPAL, since they got the money. We have spent hours on the phone with PAYPAL and with supervisors. The supervisors have told us that Paypal does not keep records after 60 days. We are in shock to find out that a financial institution like PAYPAL does not keep records after 60 days and can not tell us why they took {$940.00} from us. We want you to verify what PayPal has said, i.e. that they are not required to keep records from XX/XX/2022. If that is not true, please tell us how we can proceed against PayPal. This is an unauthorized withdrawal from our bank account and PayPal got the money. We believe they must be able to tell us why they took it out and who they gave {$940.00} to. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Target called to confirm that I was trying to get a card. I have not applied for one. Some of the information given to me was incorrect. She cancelled the application and advised to report this incident to this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: CA

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. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX  RETAIL Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX, 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.

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