vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: SC

Complaint narrative:
The week of XX/XX/XXXX, multiple charges were cleared in my account while my account was negative. The multiple charges caused {$35.00} overdraft fees. The bank approved charges because they can process the additional fee for overdraft.

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 2023-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: OK

Complaint narrative:
The main issue is they are calling my family and friends and disclosing what I owe and how much I am behind on. They are giving information that supposed to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
I canceled a contract with XXXX ( security company ) for failure to abide by the terms of the agreement. I then pursued charge reversals through my credit card company. My credit card company sided with my case on all but 1 of the 8 charges I disputed. That 1 charge they did not side with me on was a lump sum payment for {$430.00} for early termination. I have called XXXX to work this out but they forwarded my account to a debt collection company called Source Receivables Management, located at XXXX XXXX XXXX , XXXX XXXX, XXXX, NC XXXX. I have received 8 phone calls from them, I have answered 3 of them, for the first 2 I explained the situation to the agent, the agent said they made notes on the records to reflect this, I told them to stop contacting me, yet they persist, with multiple phone calls every week, and phone calls as early as XXXX XXXX. They will not stop persisting no matter how many times I explain the situation, no matter how many times I ask them to stop calling, and they do it at unreasonable hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX ( I had no late payments ) XXXX XXXX ( I had no late payments ) XXXX XXXX ( I had no late payments ) XXXX THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AMEX advertises that the pre-paid card is widely accepted online and in-person everywhere. However, I have been trying to use this card and have been getting declined everywhere both online and in-person ( this is especially frustrating and embarrassing ). I've reached out to AMEX about this a few times, and the advice I received is to try other stores. This is false advertising and not at all the experience I had hoped for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
I received a bill. It directs me to a website that is not valid. The phones listed are only automated. The letter doesn't provide any information about the original debt I paid a debt for a parking ticket in may and I do have proof. 
1. the website XXXX is not valid 2. the number listed XXXX 3. no information about the original debt. 
4. I think this is related to a parking ticket XX/XX/23 5. I included a copy of the ticket 6. proof of payment on XX/XX/2023 is also included

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I HAVE A WALMART STORE CARD. IT IS FAIRLY EASY TO PAY BUT I HAVE ONLY ONE INCOME AND IT IS ONLY ON THE 4TH WEDNSDAY OF THE MONTH. DUE DATE FOR THIS CARD IS THE XXXX OF THE MONTH. THERE IS NO WAY FOR ME TO PAY ON THAT DATE. 

I ASKED AT LEAST 2 TIMES IF NOT 3 TIMES FOR THEM TO PUT IT AT THE END OF THE MONTH ON THE XXXX OF EACH MONTH. THEY ALWAYS SAY WELL WE CAN PUT IT THIS DATE SOMEWHERE LIKE THE XXXX, XXXX OR 19 DAY OF THE MONTH. 
ITS ALMOST AS IF I'M TALKING BUT THEY'RE NOT LISTENING. THEY CONTINUE TO ADD LATE FEES OF {$39.00} AND INTEREST FEES TO XXXX XXXX XXXX  HAS SKYROCKETED TO OVER A XXXX XXXX. I ALWAYS PAY MORE THAN THE BILL BUT CAN'T GET AHEAD BECAUSE CAPITALONE WHO OWNS THE WALMART STORE CARD WANTS TO KEEP ME FROM PAYING THE BILL BY CONTINUALLY ADDING ON FEES. 
THE COMPANY IS CAPITAL ONE AND THE CARD IS WALMART

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I was contacted by my bank, Chime, around XX/XX/XXXX in regards to my name not matching with what the IRS had on file and that I should provide them with a W-9 form as well as my drivers license. I provided them with the documentation a day or two after I received the notice via the secured link they have sent me over email. I contacted the bank later on that week to confirm that they have received the documentation. Customer service took a look at the documents but requested that I re-submit the documents again over the new secured link they provided. While I was on the phone with them, I did such and the representative, XXXX at Chime said that she escalated the issue to the internal protection team and that they were going to contact me over email to update me with my case. In case I do not hear from them, they can be reached at XXXX. I did not hear back from them and I went ahead to contact them over email. The first representative that got back to me responded with an automated message that suggested I submit the documents ( w-9 form and drivers license ) AGAIN prior having my account back in good standing. I angrily did so and waited for them to get back to me within the four allotted hours they mentioned. A day later I received the same email but from another representative, I decided to reply back to the email as it stated such hoping Ill have a direct response from a representative, but I kept getting the same email over and over again from a different team member. I contacted the customer service team again via the app and provided again the same documents even though I just wanted them to confirm my account was back in good standing and that it wouldnt be suspended, they told me thats something the internal protection team will have to confirm because it is outside their jurisdiction, but since I provided the documents, I should hear back from them. I didnt hear back from anyone until these days. I am a XXXX who works in the middle of the ocean every other month and travelling constantly. They suspended my account yesterday and I have been making lengthy phone calls with no response back. The last representative I spoke with yesterday asked again my documents and I did provide those to them, and she said the internal protection will get back to me within an hour as she escalated the issue, I still havent heard from them. Im out here with no cash money and using my credit cards. Any assistance would be extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED COMMUNITY BANK
State: VA

Complaint narrative:
Starting XX/XX/2023 my partner and I had started the process of accessing this account, which belongs to my father. ( He is unwell and moved to assisted living. ) We obtained a POA and have been using it since XXXX to get my father 's financial affairs in order. This bank has dragged its feet every step of the way and took months to even read the XXXX and accept it. On XX/XX/XXXX, almost three months later of back and forth, they have accepted the XXXX but say it only gives me the power to change his address and order checks. They will not let me get online access to the account, issue a debit card, or close the account. I can not even see what's in it or coming out. They want a notarized letter to do any of that. That is not how the POA works. My father 's other bank, XXXX XXXX, accepted the XXXX in a week and granted me full access which is what the XXXX does. Every other account, from banks, retirement accounts, pension, debt collectors, and utilities has accepted the POA except for this bank, United Community. 

Like I said, they have dragged this on since XXXX. It's hard to get them by email or phone and there are no branches near me. They are going against a notarized POA and what it lays out and says. They are telling me to get a notarized letter which doesn't make sense. In telling me that, they also said to make sure any recurring charges are handled, and when I asked how I'm supposed to do that without having access to the account, they ignored me. 

I have no idea what's happening to my father 's money in that account. Neither does he because he can't access it and keeps forgetting that he even has it. It has money in it and recurring charges. Are any of them fraud? Is it over drafting the account? Is it junk he doesn't need? I don't know because they're ignoring my POA.

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 2023-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NC

Complaint narrative:
I wanted to change which bank account VW Credit billed for my car lease. According to their website, the way to do this is to cancel and reinstate auto payment. On XX/XX/XXXX, I cancelled my auto payment on their website. The website informed me that I would not be charged for my typical auto payment on XX/XX/XXXX and that I would need to make a one-time payment to meet that due date. As such, I immediately scheduled a one-time payment of {$820.00} to be charged from the new bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I found that VW Credit had charged both of my banks for {$820.00}, each, resulting in a total of {$1600.00} being charged. I called VW Credit to demand that they refund one of the charges of {$820.00}. The representative, XXXX, told me that their refund process took 20 days and so I may as well let them keep the money. I insisted that XXXX initiate the refund process anyways. 

20 days is a ridiculous amount of time for VW Credit to hold on to money that they charged based on a false pretense, and particularly such a large sum. Their behavior leads one to believe that this isn't merely a mistake, but a deliberate, fraudulent scheme, with elements designed to discourage consumers from seeking redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am refiling this complaint to KIA FINANCE AMERICA for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.

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 2023-11-30 00:00:00
Product: Credit reporting 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: DE

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 Account  Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDNELNET 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 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help 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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I paid off the full balance of my ( Bank of America ) credit card ending in XXXX. I requested all cash back dollars to be paid out in XXXX of XXXX. I requested that the account be fully closed in approx. XXXX of XXXX via phone. The account was REMOVED from the online banking AND app banking systems. Statements were NO LONGER BEING PRODUCED. To my knowledge, the account was closed successfully. The absence of this account on ANY records, support that they began the process of closing the account, but did not report it in a timely manner to credit bureaus. 

In XXXX of XXXX, I was notified that they were closing my account : which was supposed to have been closed several months prior. I relayed this to multiple representatives, none of whom were able to assist in any notable capacity. 

BofA is refusing to correct their tardy credit reporting. They are refusing to audit the account history. They are refusing to supply documents to me to review personally. 

After attempting to resolve issue in XXXX of XXXX, I did not receive any new emails or letters about this account ending in XXXX. Now after months have passed, they are YET AGAIN showing this account as active in email messages : this demonstrates their inability to properly monitor and document the status of this account. ( see attachment )

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