vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I contacted Bridgecrest bank in Arizona. I paid off my loan. Im trying to purchase a new vehicle. The loan is at a XXXX balance. They gave me a letter stating that the loan was it a XXXX balance I needed the lien removed so I can purchase my new vehicle, theyre claiming that there is a 10 day hold on it which I get but I dont get because they were worried about the money not clearing but they couldnt let me a title either way because theres a XXXX balance on it. I have a letter stating that my XXXX  XXXX XXXX  was paid in full and had a XXXX balance they refused to take the lien off of the title, so that I can proceed with my new loan for my new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 he information is inaccurate.

Under U.S Code 1666B Billing error.

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 2022-10-08 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 he information is inaccurate.

Under U.S Code 1666B Billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX attached is what experian and XXXX XXXX reporting ... if they both get their source from XXXX then  why are they inaccuracies on the report .... 
DATE LAST ACTIVE EXPERIAN XX/XX/XXXX WHILE XXXX XXXX BALANCE EXPERIAN {$7400.00}, WHILE XXXX XXXX 
LAST PAYMENT EXPERIAN XX/XX/XXXX, WHILE XXXX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!

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 2022-10-08 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: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX Peoples Bank became M & T bank and without my permission or knowledge they withdrew all the money in my account {$5400.00} and closed my checking account. 
I filed a claim and it was denied. Banker said it was a debt owed to them by my ex Husband. I have not seen my ex since XXXX and know nothing of his debt and I am not responsible for it. MT needs to contact him. 
That was my money and my paychecks that I deposited, which I needed to feed my children and pay my mortgage. I am a single mom with XXXX kids, working every day to support her kids by herself with no child support. MT bank has no right to steal my money and needs to return it immediately! 
MT bank stole my paychecks, Stole my money. they are thieves. I worked for that money to raise my children. they stole the food from my childrens mouths. 
I want my money returned. They had no right to steal it. 
This caused a reaction of returned payments on credit cards. I was charged fees and had accounts closed. Including my loved XXXX XXXX  which offered 5 % discount on all purchases. I used this account to buy all our groceries and home and personal needs. 
I am asking for my money back XXXX plus {$3000.00} for fees and hardship caused by MT banks actions. 
BANKS SHOULD NOT BE ALLOWED TO STEAL MONEY FROM SINGLE MOMS AND DESTROY LIVES!!! 
DID THE BANKER AND HIS KIDS GET TO EAT? DID THE BANKER PAY HIS HOME? 
Please help me and my children get back on our feet and return what is rightfully ours. 
Banks should not be bailed out! Humans first! 
I thank you in advance for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I called in to Wakefield and Associates and settled a medical debt on XXXX, payment was taken out of my account on XX/XX/12. I called in again on XX/XX/XXXX, to see why it is still actively impacting my credit shown on XXXX XXXX, the representative XXXX advised that it was noted that I called and settled but not that payment was received when it in fact was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: FL

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 confidential under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 section 602 a .state i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : 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 crime 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 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 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Multiple communication tactics. Multiple calls per day from XXXX this company is Not authorized to collect debt in XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, on the same day of realizing, I reported that my vanilla gift cards were stolen from my office by either one of my employees or one of my customers. I called the company who distributes the card on XX/XX/XXXX. They stated The entire cycle can take 45-90 days, however, some cases are resolved before then. 

The Electronic Funds Transfer Act states that they : - Must investigate the error and resolve it within 45 days ( which is be 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
First Tech has refused to close my account. They continue to add overdraft and NSF fees for transactions that are repeatedly attempted. They've added {$99.00} in fees so far. 
I want to pay the balance but not the fees that never would have been added had my request to close my account been honored.

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 2022-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
In XXXX my credit report started reading that my car loan from Wells Fargo was paid in full. I reached out the company to find out what was going on as I still owed around {$7000.00} on my loan. I was told that someone would get back to me, however no one ever did. I did not check back with them but continued to see on my credit report that the loan was paid in full. Sometime went by and still no communication, more than a year had passed and then my car was repossessed. I reached out immediately to Wells Fargo and they told me there was nothing I could do besides pay in full the amount still owed on the vehicle. I spoke with several different associates over the course of a week and no one was able to help me nor tell me how this happened with no communication. They confirmed that my work and home address and phone numbers were listed in their files as well as my email. With this vehicle being my only source of transportation to work and to see my kids, I had to call in to work and miss time with the kids. With no other choice, and not enough funds to pay off the loan, I filed bankruptcy. I was informed that this was a process that could possibly help me keep my vehicle. However during arbitration, Wells Fargo declared that the repossession was legitimate and kept my vehicle. After dealing with bankruptcy, being denied for car loans, home loans and spending hundreds on borrowing a car and thousands on a lawyer, years later here comes Well Fargo with a check and letter admitting that they failed to properly communicate with me before/when my loan became past due and the was no communication XXXX their behalf to me in order to retrieve the vehicle. So my life was turned upside down because a huge company, with persons in place to avoid this kind of thing, failed to properly communicate. Wells Forgo forced me into bankruptcy and I believe they are trying to cover this up by offering pennies compared to what I lost over the years dealing with this.

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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I signed up for the Chase XXXX XXXX XXXX with the following offer : XXXX XXXX XXXX  : Earn XXXX bonus miles after you spend {$4000.00} on purchases in the first 3 months from account opening. 

I have not received this sign on bonus after spending over {$4000.00}. I contacted Chase multiple times about this and have been told that I do not meet the requirements. After I asked about the requirements, they said I needed to spend {$5000.00}. This is their current sign on bonus offer but not the offer that I initially accepted. They are refusing to look further into this. Also while on the phone, I was verbally told that I met the sign on bonus by the operator before being told by a manager that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Our business opened a new business checking account with CitiBank branch at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. According to Citibank advertisement, we are qualified for the new account sign-on bonus after completing the following : 1/ Deposit a certain amount within 30 days and maintain it for 60 days. 
2/ The bonus will be credited to our business checking account within 90 days. 

We made the deposit on the same day XX/XX/2022 and maintained the balance until today XX/XX/2022, more than XXXX days. We should be entitled to the new account bonus by now as advertised by Citibank. Yet, when we came to the Citibank branch, its employee blamed its back office, but when I called its back office ( XXXX ), its employee then blamed the branch. They are giving me a run around to Customer service, to XXXX XXXX branch to Business support back office for more than 1 month WITHOUT any results. Every time I contacted them, Citibank would have a different stories. 
I believe Citibank is conducting a false advertisement to lure consumers to deposit money into its bank. 
I

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I went to the 3 credit unions today to freeze my credit, XXXX, and XXXX were great. But Experian was a trying experience. Everything was an attempted up-sell, i could not find the right place from the homepage itself, and spent 5 minutes wondering around. I had to go out and XXXX how to do it and follow a link back in to finally at the bottom of some obscure page find the link to freeze my credit. I think they should be investigated for anti-consumer practices and surely not following the spirit of the law.

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 2022-10-08 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: PA

Complaint narrative:
XXXX is saying the inquiries are factual when they are that and they have not provided any such proof that they are factual. 

Experian did not delete the inquiries requested in my previous investigation.

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 2022-10-08 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: PA

Complaint narrative:
Equifax is saying the inquiries are factual when they are that and they have not provided any such proof that they are factual. 

XXXX did not delete the inquiries requested in my previous investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: MS

Complaint narrative:
I am a natural person, I am a living human being, I have rights 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish accounts. 

Accounts XXXX XXXX XXXX - Opened 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: GA

Complaint narrative:
XXXX fraudulent accounts XXXX XXXX XXXX XXXXXXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/202XXXX XXXX XXXX  ( Bank ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted

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 2022-10-08 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: AZ

Complaint narrative:
Companies failed to provide an accounting ledger and sign disclosures by law

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 2022-10-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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 2022-10-08 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX  Account XXXX Account 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.

Company response to consumer: Closed with explanation