vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
On XX/XX/XXXX a vehicle financed with Ford Motor Company was stolen and considered a total loss by XXXX XXXX. XXXX XXXX requested several documents to initiate the GAP claim and relied on the information provided by Ford Motor Company. Ford Motor Company provided documentation that I, XXXX XXXX requested XXXX payment extensions on the auto loan, therefore XXXX XXXX only paid out {$7900.00} and there was a remaining balance of {$1400.00}. 

XXXX requested 2 loan modification extensions but only received 1 loan modification extension which changed the loan payments from 60 months to 61 months. 

Ford Motor Company was made aware that incorrect information was provided to XXXX XXXX, however failed to set the record straight. From my understanding of the situation a representative stated in the notes of the financial record that XXXX did receive XXXX loan modification extensions. 

Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

A complaint was filed against XXXX XXXX XXXX XXXX to provide accurate information regarding the record of the loan. Based off the information that Ford Motor Credit Company has provided, XXXX XXXX XXXX XXXXXXXX has responded with incorrect information that XXXX has received XXXX loan modifications. 

Ford Motor Company employees have failed to clarify the financial record which has resulted in an underpayment from XXXX XXXX GAP insurance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On Friday, XXXX, I received a call from Capital One about an important message related to XXXX XXXX  credit card. I called the number on my credit card on Sunday, XXXX, to inquire. I was told by customer service that my account had been deactivated and in order to get it corrected I needed to send in a copy of the front and back of my state-issued ID, a copy of the front of my Social Security card , and a recent utility bill. Despite my repeated questions about why this was necessary a suitable response was never given. I even spoke with a supervisor but was told the system wouldn't allow her to tell me the issue until after I had submitted the requested information. Further compounding the problem, any current rewards I have earned by using the credit card are now frozen and no longer available to me. I called XXXX customer service but they said there was nothing they can do. Before I cancel the card I thought I would try this complaint service as a last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I live in a poor neighborhood, and Wells Fargo has abandoned my neighborhood. This is an act of XXXX XXXX XXXX XXXX 

My neighborhood branch of Wells Fargo XXXX XXXX XXXX XXXX ) has not been open for over a month. As of XX/XX/2022 the ATMs at my neighborhood branch are out of cash. I spoke to the following Wells Fargo reps on the telephone on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX None of these reps stated that the problem would be resolved. All three reps advised me to travel to another branch when I need to use an ATM.

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 2022-09-07 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: IA

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 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union and XXXX is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't Trans Union or XXXX reporting any payment history? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely 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 2022-09-07 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: CA

Complaint narrative:
Upon receiving my dispute for " ONLY '' XXXX XXXX XXXX on Experians dispute form they provided, along with all required documentation, they admittedly made an error in disputing information I did not authorize on XX/XX/2022 report # XXXX. I spoke with the dispute specialist who assured me it would be taken care of, as it was their mistake in confusing a check fraud claim from the FTC Identity Theft Report XXXX, in turn, filing a dispute ( without my authorization ) to remove my XXXX XXXX XXXX XXXX account from my report causing a drop of XXXX on XX/XX/2022 & an additional XXXX on XX/XX/2022 totalling XXXX from Experian and XXXX 's from XXXX & XXXX also ... 2 hours prior to my having to call XXXX XXXX and try to resolve it myself. Failing to correct their own mistakes caused me to completely start over again with XXXX XXXX. This was poorly handled with NO apology or resolution. I request everything be reversed immediately and they be held responsible for my troubles of this occurring after tirelessly cleaning up the nightmare of being a victim of ID Theft and at the very LEAST offer me free credit monitoring to prevent even them from possibly doing this again. 
Thank you for your consideration in this matter

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 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
As part of a house purchase I needed to sell stocks in various broker accounts and aggregate them in a bank account. Our title company requires us to to a Federal Reserve Wire. Since this is a large amount and might be an usual transaction I called my bank Discover Bank on XX/XX/XXXX to confirm whether I can make 1 ) a Federal Reserve Wire, 2 ) that I will be moving a large amount of money ( about XXXX ) into the account and use for a downpayment and whether there are limitations that would apply. At the time my account had about {$39000.00} in it. 

I was told, that despite the account being a savings account, that I should not have any problems doing a wire for a downpayment on a house and that the only restrictions are the 6 transactions per month. 

Based on this information I sold stocks in XXXX XXXX and XXXX and made large transfers into the Dsicover account. The most significant ones being from XXXX : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and from XXXX XXXX : XXXX on XX/XX/XXXX. 

On Friday XX/XX/XXXX I initiated a transfer to the Title company of $ XXXX. Later that day I received a message from Discover to verify the wire by calling them, which I did. They said the wire will go through a security review and should transfer on XX/XX/XXXX. 

On XX/XX/XXXX the wire did not happen and upon my request and after talking with multiple representatives and managers I was told that my account had been flagged, specifically the XXXX deposits as being irregular and potentially fraud. To protect me, their client, and themselves, the money will be on HOLD until XX/XX/XXXX. Eventually I was told I could access {$61000.00}, but that would not be sufficient for the downpayment on the house purchase I was doing. 
I explained that I specifically informed the bank of these transactions and was given a green light and that this puts me into a financially very difficult position and we will likely loose the house were trying to buy. 
Also, the money has already been in the account for 2 weeks and Ive moved money from and to XXXX from this account before. 

Furthermore I was also suggested to review holding periods in Discovers terms, but the longest period I could find was up to 10 business days. 

I offered Discover to provide them with statements or anything they want to verify that the money is mine, Ive also been with them since XXXX, so they know my account and they know the XXXX account I move money from and to. 

The people I worked with were polite and nice, but there was no viable option offered as a solution. We also talked about closing the account, cashiers checks and ACH transactions, but all of them would not allow the full amount to be released until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: GA

Complaint narrative:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to 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 non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
The beginning of XX/XX/XXXX, I received a notice from my HR department at work that my wages were being garnished. My HR department provided 2 pages ( Citation Notice and the page with the calculation of the wage garnishment ). The total amount on the page was for XXXX. And from looking at the Citation page it looks like the citation was sent to an old address of mine. I never received any information from this creditor about this citation or any hearing dates. I moved to a new location as of XX/XX/XXXX and the citation paperwork was sent as of XX/XX/XXXX. 

I was denied " Due Process '' of the law because the creditor did not properly serve me and allow me to request any type of verification of the debt. 
What did I do to try and contact them - I reached out to an online law team to see if they could file papers on my behalf. The company filed an answer to the citation notice but I have not heard anything from the company ( and I'm assuming that I will not because again I did not receive the paper work when it was file and I probably missed the deadline date for the answer ). 

Now they have created all type of hardships for me by garnishing my wages. I spoke with the HR Dept. today and they said that now the total amount owed is XXXX. I really need help in resolving this issue with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TX

Complaint narrative:
Ive contacted Equifax to advise them that there was an account opened and inquires that I didnt authorize on my credit report and the issue have not been resolved. I am a victim of identity theft. I do not know who the person is but I didnt authorize anyone to open an account in my name or run my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Attempted and filed claims with the bank and local branch, with little to no help to get my money/funds back. 

I had used my TD account to fund these purchases, which were all considered pre-orders for physical goods. TD debit card, visa card. The expected delivery date would vary depending on when I purchased but stated 4-5 months after public release. 

Please refer to visa card rules : XXXX XXXX XXXX Says the bank investigated the dispute claim but now has wrongfully decided to reverse any funds given back to me. 
Case : XXXX Includes multiple transactions relating to my personal TD Bank checking account : As posted on my statements ( all relating to the same merchant - XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$3900.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$640.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$190.00} ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( {$660.00} ) Please reach out to the necessary personnel at the TD Bank HQ and/or me if any other information is needed. 


I would like to get this resolved and receive my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NC

Complaint narrative:
I have an open loan account with Equifax, called Equifax to see whats going on. They have no idea because they do not have loan products. Asked to provide the phone number of the account on my credit file the phone number they provided was the Equifax fraud alert phone number. Equifax told me on the phone XX/XX/XXXX they have no idea what that account even is but kept it on my credit report, because of that account i was not able to get a job. 
Equifax XXXX loan showed date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IA

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 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and XXXX is reporting the date last active as XX/XX/XXXX and Equifax is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IA

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 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and Experian is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't XXXX XXXX or Experian reporting any payment history? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? 

This account is completely 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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2021 a Fraud alter was added to my personal profile. on XXXX XXXX i received a checking debit card in the mail that I did not apply for. i called capital one and an account was opened in my name. there were no transactions at the time and the account was closed. i filed a complaint with capital one and was to receive a letter that I was a victim of identify fraud. to date I have yet to rec anything. XX/XX/XXXX capital one sent a change of address letter to changed to another state. 

Now capital one continues to send me several unwanted pre-approved credit card applications,. i have called capital one several times to rectify the security breech in this process, i get international representative that dont know what to do. I've set on the phone over 2 hours each time to rectify my issue. i spoke to us representatives that don't know what to do, send me to XXXX and they said that capital one has to remove my name from their mailing list. i continuously get the run around and unsuccessfully continue to receive unsatisfactorily service with a company that is jeopardizing my credit and personal identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IN

Complaint narrative:
The Credit bureaus stated that account XXXX  # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive sent letters well as my Id Driver license and birth certificate Social Security card.In the year XXXX well as in XXXX they still show all these names on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 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: GA

Complaint narrative:
It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm these 3 credit reporting agencies have done to 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 non-monetary relief