vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I turned in my vehicle on XX/XX/2021 to the dealership, and received a letter from Ally Financial on XX/XX/2021 confirming that the account was settled. I subsequently received a bill from the California DMV for registration for the year starting XX/XX/2021. I ignored the notice, figuring the car was now back in Ally 's hands. When I received a second DMV notice, I sent correspondence to DMV, called the dealership and Ally, and was assured it was just a delay in processing title. I have now received yet another notice from California DMV threatening wage garnishment due to the registration fees for a vehicle I no longer own. I have spent hours attempting to reach a responsible party at Ally, and have been mis-transferred, disconnected, or simply left on hold for hours on end. Ally had me call what the agent called " title department '' on XXXX, and I was told this was Ally 's responsibility, not theirs. Ally 's cavalier handling of the matter is irresponsible and offensive. I suspect Ally 's " incompetence '' is in fact a scheme to get me to pay for their registration on their vehicle - this seems like an outright scam.

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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX  XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( Midland Funding & XXXX XXXX XXXX ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
At no point, have I ever authorized any accounts with XXXX XXXX XXXX XXXX XXXX or their debt selling partner, Portfolio Recovery Associates. 

I have repeatedly requested a copy of the original agreement from XXXX XXXX XXXX XXXX XXXX, the ( alleged ) original creditor, as well as Portfolio Recovery Associates ( debt buyer ), proving that alleges that I am responsible for this account. XXXX 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is Portfolio Recovery Associates ( PRA ).

PRA also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for. 

I say again, at no point, did I authorize XXXX 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #. 

I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE! 

If PRA continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used my XXXX card to purchase a large set of shelves online. The shelves arrived defective, I made many attempts directly with the merchant to return the shelves or get a replacement without any progress. I filed dispute # XXXX on XX/XX/2021 with Wells Fargo hoping the merchant would respond. The merchant did not respond to Wells Fargo for return or replacement info concerning my purchase. I have made many calls to my CC Wells Fargo to ask status on the dispute and all they do is followup. 

Per the terms of my credit card the merchant has 45 days to respond to a claim, as of today it is now 55 days and Wells Fargo has not received any info from the merchant. At 45 days after my claim, on XX/XX/2021, the claim should have closed and credit permanently issued to my account. My claim is being mishandled by Wells Fargo. 

See attached to confirm all info above.

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 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: IN

Complaint narrative:
In XXXX of XXXX, I opened a credit card with Discover. I didn't know about the dollar per dollar match for the first year. I also do not recall activating it. I recently activated it on XX/XX/XXXX of XXXX, only to find that the promotion term was up for me. I had never used the card. I called to ask for an extension and explained what happened. No extension was given and I was told to open another credit line but that the promotion was not guaranteed nor was the credit limit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My husband and I have a loan mortgage with Loancare LLC, loan No. XXXX. We do not have an escrow account ; we pay our own property taxes and insurance. 
There was a lapse on our insurance of about 1 1/2 months, and Loancare though one of the insurance companies that they deal with, provided coverage for those months. 

I, XXXX XXXX XXXX, faxed copy of the insurance, and when I called to ask about the insurance charges on my statement, and I was informed that Loancare never received proof of insurance. I did submit the insurance information one more time. 

Last month, on XX/XX/XXXX, I called Loancare and asked to speak to a supervisor. XXXX XXXX with employee No. XXXX spoke to me, and he told me that because of Covid19, the information on the insurance was not processed, and promised that by XXXX, the adjustments to the account will be made. I refused to pay the additional {$400.00} charged for the insurance for the month of XXXX. Next day, my husband, XXXX XXXX XXXX made the regular payment over the phone, without any additional insurance payment. 

The statement for the month of XXXX was not never adjusted, and we did get a payment request of {$1.00}, XXXX. I called to ask information about my insurance, and the recorded information that I received from the Loancare Insurace Department, was the information of the insurance that I paid for XXXX year, with an expiration of XX/XX/XXXX. 

When I was transferred to the Customer Service Department and I tried to make a payment, the lady who answered the phone refused to accept the payment, unless I pay the whole amount. When I told her that I was going to file a complaint, she accepted the payment, but, she informed me that the payment was not going to applied to 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 explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX, two checks were attempted to be deposited in my account by a XXXX XXXX. The checks were signed using a text box and submitted via mobile deposit. The name used to " sign '' the checks is a name I have not used in over 10 years. Afterwards, a transfer was initiated to a man named XXXX XXXX, to whom I have no connection, by a man named XXXX- assumedly the check holder - of {$1800.00}. XXXX is NOT authorized on my account, I have NEVER authorized another party on my account. I am the only authorized person on my account. 

Both attempted deposits were returned, but the transfer was not. This resulted in my account going negative by {$1400.00}, transfer and overdraft feels hitting my husband 's savings and knocking it down to {$0.00} for a total lost of {$700.00}. I filed claims on all charges IMMEDIATELY. I closed my account, opened a new one, changed all my passwords, and put flags on my social security number, credit report, and with all my other existing credit cards. I told Wells Fargo I do not know how this person got my information, how the mobile deposits were made, or how the wire transfer went through. I know my logins were compromised so I changed my password AND username immediately with Wells Fargo as well. I submitted the fraud claims on all counts. 

OnXX/XX/XXXX, I called to follow up on the claim status. I was advised my claim was denied because " the user had access to my account ''. This is exactly WHY I filed the fraud claim in the first place, I do not know how they gained access to my account. I have run an antivirus on my laptop, reviewed all potential phishing opportunities I may have missed, and have gone through my texts to see if anything was placed on my phone to steal my saved passwords. I have escalated my claim due to the denial, the lack of investigator contact, and no attempts being made to fact-find from me, the account holder and victim. I am now thousands of dollars in debt, unable to pay my bills, and the victim of BLATANTLY OBVIOUS FRAUD that the bank has denied.

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 2021-11-12 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am a consumer XXXX XXXX XXXX with Power Of Attorney over my Sole proprietorship dba XXXX XXXX XXXX I give American Express full consent to respond to this complaint I filed a dispute against American Express they failed to send documentary evidence pursuant to federal law that I asked for instead they have sent me basic statements of each month from open to close they are missing Account Ledgers showing where this money and credit started and came from. documentary evidence pursuant to federal law includes all public and private correspondence, documents, papers, books of account, account ledgers, financial and corporate. 

As stated in my C & D/Billing error notice " Notice, it is a fact, affiant is aware, American Express as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by American Express will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for American Express for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to provide required documentary evidence as requested to clarify and resolve the previously addressed billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: OH

Complaint narrative:
LTD ACQUISITION LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To : The office of Registered Agent for LTD ACQUISITION LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I received nothing from this company and I just pulled my credit and this new collection is listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a loan at the bank, and specified their fixed line of credit. I told the bank personel several times and fixed and the amount. She did attempt several times to increase the amount, but I was very specific that it be fixed. I asked what do I get to pay the construction person. She said she could see if I get checks. 

I received the first payment with a variable charge and fee to change to fix although I went in and requested a loan for fix. 
I have requested the fee for variable be removed and she has refused, and states if closed before 3years I will be charged a fee. 
I am writing to find how to fix so I can have fees removed, or loan cancelled. 

Thank you 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 2021-11-12 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: IN

Complaint narrative:
I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??

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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
In early XXXX, I relayed a cease communication request to Jefferson Capital Systems via email asking them to cease and desist collection efforts on a debt they have admitted is outside of Statute of Limitations in past written communications. Said request was honored, until phone calls resumed on XX/XX/XXXX. I have received one attempted phone call per day from them, which I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: OH

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NC

Complaint narrative:
Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Equifax for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Equifax ( as attached ) " verified '' and that they were provided this information by 3rd Part vendor XXXX XXXX. However I included with both prior complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. On XX/XX/XXXX Equifax provided to me in writing that on that date they had " verified '' the XXXX Bankruptcy case XXXX using ( again ) 3rd Party provider XXXX XXXX. Therefore that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Equifax refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition on XXXX I obtained my complete 102 page XXXX XXXX report. In that report as they will see it clearly show NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( attached copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition I also disputed this same case on the same grounds with XXXX and in their investigation they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Equifax should have also done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: IL

Complaint narrative:
I have contacted Experian a numerous times to dispute one item on my credit report since it is incorrectly reporting on my credit report. The company ignores to do proper investigation for the disputed item ( s ) and do not contact the credit furnisher or lender to update reported information. The other two credit bureaus report the information on this credit item correctly. The investigation normally takes up to 30 days to complete. They complete in one week or less and notify me about the results their investigation. The disputed item shows incorrect account balance and missing account history or payment history. The account shows no data update since XX/XX/XXXX until XX/XX/XXXX. They made remark on my credit report that : this item was updated from our processing of your dispute in XX/XX/XXXX. Nothing has been updated or changed. I have a difficult time to reach their customer service representative to speak since their automated telephone system is not user friendly and does not transfer calls to live agent. Even if you reach the customer service, they are helpless and do not transfer calls to supervisor. I have a negative experience with resolving disputes and updating credit report with the correct information. The more details I provided in the attachment from my credit report. 
The company violates Fair Credit Reporting Act by ignoring consumer rights and updating their credit reports with the correct information.

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 2021-11-12 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: GA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : DPT ED/XXXX XXXX Balance : {$0.00} Date Opened : XXXX DPT ED/XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation