vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XXXX, I opened a new Wells Fargo card to transfer over a balance from a XXXX XXXX where the rates had gotten too high. I filled out a balance transfer from XXXX card to the Wells card in an amount well over $ XXXX. Then I waited. The transfer charge hit the new account on XX/XX/15 but as of yet has not hit XXXX card. So I am now paying fees on both cards instead of the simple balance transfer to new card. XXXX can't seem to figure out where the $ XXXX went and why it did not hit the target XXXX account, however they have told me it may take 90 days to resolve. This is unacceptable practice. The funds should be credited immediately until they can locate them.

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 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I took out a partially-secured loan with XXXX. On XX/XX/XXXX, XXXX sold this loan to SST. My original loan agreement was that I would receive a payout of {$3500.00} plus interest from a savings account created when the loan was originated once the account was paid in full. 

On XX/XX/XXXX I made the final payment for the loan. 

I have since made multiple calls to SST regarding receiving my payout and they have refused to provide me any information. During my last call, I was told they didnt handle my loan but couldnt tell me who did.

I have a letter from SST confirming my loan has been paid in full but no details on receipt my payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EXPERIAN, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX # XXXX XXXX GA. In addition EXPERIAN is showing the incorrect Employer of XXXX XXXX XXXX FUNDING and that needs to be DELETED as well.

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 2023-02-14 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: GA

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Possible Financial Inc
State: FL

Complaint narrative:
This is not my account Ive never opened this it was opened fraudulently

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Got an alert that a bank account was opened in my name at Bank of America today XXXX!!! Did not open an 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought a Vanilla Gift Card on XX/XX/2023 ( {$400.00} ) at a XXXX in XXXX NC. Immediately after ( within min ) the purchase of the card, I attempted to use it to pay a bill and was told by the person processing the bill payment that the card was declined. I went back to the XXXX where I purchased the card and the manager stated I would have to contact the card servicer of Vanilla Gift card. 
I contacted them on XX/XX/2023. A rep asked me to email a copy of the receipt and the card to create a case file ( Case # XXXX ) and it should be resolved between 5-7 business days. I have made several calls to the card servicer. It is now XX/XX/2023 with no resolution to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit Corporation
State: NC

Complaint narrative:
My car has a transponder, I went through a toll out of state ( MD ) on XX/XX/XXXX. I thought the toll was paid through the account set up through the transponder. I received no bill until XX/XX/XXXX, so I had no opportunity to pay the toll in a timely basis, and was not aware that the transponder account did not pay the toll. Now I am informed that I need to pay at {$25.00} late fee for a {$4.00} toll. I think it's totally unfair to be charged a late fee for a toll I was not informed of earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
I bought my house XX/XX/XXXX with a {$150000.00} XXXX XXXX XXXX XXXX  ( XXXX ) mortgage. I refinanced for {$130000.00} with NJ Lenders on XX/XX/XXXX. The cancellation of the XXXX mortgage is invalid and NJ Lenders secretly closed the " refinancing '' with NON-MONETARY RELIEF and never paid a penny. The HUD statement on line 104 shows " XXXX XXXX XXXX '' NJ Lenders never paid a penny to pay off the mortgage. The XXXX XXXX XXXX XXXX shows the consideration for both mortgages as XXXX I am unable to sell the house and have dumped hundreds of thousands worth of improvements and can't even get a HELOC NJ Lenders should know better and the original purchase closing attorney is now XXXX Municipal Court Judge XXXX XXXX XXXX Please take a look at the attachments. The proof is on the XXXX XXXX XXXX XXXX and I have additional proof such as cancelled checks and other documents that I want to get to court but I am having a very tough time because XXXX is a Judge. This is very unfair. I have over {$300000.00} in equity and I couldn't borrow in XXXX when I had a 800+ credit score and over {$300000.00} in equity. If the mortgages were legal I wouldn't have damaged my credit and face foreclosure I would be just like many other people who borrow against their equity. I have also sorts of financial problems because someone broke the law. I fixed up the house and dumped a lot of money into and can't touch the money that's very unfair. My settlement for medical malpractice is scheduled in two months and wanted to pay the house off in full but I still won't be able to sell it. Take a look at the attachment and see for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: U.S. BANCORP
State: MD

Complaint narrative:
I've had two fraudulent hard inquires on my credit that I did not initiate. One is from US Bank on XXXX  and the other is from XXXX XXXX XXXX. I have no idea where these come from and did not try to open any new accounts.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
DEAR CAPITAL ONE ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; & XXXX & XX/XX/XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being hospitalized with XXXX  loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Submitted a dispute and Transition did not take the proper steps to investigate and instead sent a stall letter stating that it did not appear that I properly authorized third party sent to them despite being provided with accurate information from myself only.

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 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
XX/XX/XXXX Received a call from a processor saying they are trying to serve me papers. XXXX XXXX from XXXXXXXX XXXX XXXX  sent a letter their address on letterhead is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called TD auto finance they informed me that the loan has been paid and to ignore the call. I called XXXX back and informed him that I can not find any information regarding this information, and he told me that I am doing the research because I do not want to pay. I informed him that I do not want to be scammed. Tole me that I will be getting served next Friday. and that I will have to pay more. they are suing to put a lien on my house. I want correct information if I do owe this, but not going to hand over my credit card information if this is not legit. Case no on the letter. XXXX. 
Stated the last payment was made in XXXX. The total amount due is XXXXsettlement amount is XXXX and which I must pay today. He gave me an hour to call him back and pay or we will go to court. I just want to know if they are real or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct 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 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 2023-02-14 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 — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : 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 and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/23 American Express Bank received a written request from me to close my certificate of deposit ( balance of $ XXXX ) early and transfer the proceeds to a high yield savings account with the same bank. The form indicates it would be 13 days to complete closing the account and transferring the funds, not specifying business or calendar days. On XX/XX/XXXX I contacted American Express Bank to determine what the status of the account closure and transfer was since it had not been completed yet. I was told that there was a backlog and that it would be closed the following Monday, XX/XX/XXXX or Tuesday XX/XX/XXXX, at the latest. Today is XX/XX/XXXX and the account has still not been closed and the funds have still not been transferred to the savings account. I contacted their customer service and after speaking with a customer service rep, she was unable to contact someone in the " back office '' to determine what has happened and why they have failed to close the account and transfer the funds. I feel they are deceptive in their disclosures when closing an account with them. Since this is an internal transfer within their own bank, this should not have taken well beyond their own indicated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX Wells Fargo emailed me that they shipped my new Visa Credit Card. I have never applied for one or asked them to open one in my name. They did this without my consent.

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