vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
American Credit acceptance has stated that my vehicle has been charged off and due to this IRS has stated that I had a cancellation of debt in the amount of {$9300.00} and this amount was included on my tax return as income when my tax return was audited and cause me to owe {$3400.00} to the IRS. The vehicle in question was repossessed and auctioned off on XX/XX/2022. The proceeds of {$8000.00} went towards the loan amount which brought my balance to {$6800.00} and they are still billing me for this amount. Irs informed me to contact ACA to get a statement that states that the cancellation of debt was sent in error. I called them in XX/XX/2022 and the agent stated that the charges were not written off and no debt was cancelled. I reached out again on XXXX and the agent states they sent the account to a third party ( XXXX XXXX ) to collect the balance remaining. of {$6800.00} since the vehicle was sold on XX/XX/2022 and no debt was cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I had a debt with them before I paid it over the phone in full now they want $ XXXX Again why if I paid it in full once?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I done filed a complaint and they said I waited to long if you read my last complaint I was in XXXX XXXX for 28 months I had sighn power of attorney to my mom XXXX XXXX and she had went to bank with power of attorney and they denied her with a lawyer had sent me power of attorney papers to prison for me to sighn now once again my money was not in the joint account well it was after she took it out my my my own savings account no one had permission to touch my my my savings account with my name only ok I was in XXXX XXXX XXXX my money got took out my account by XXXX with out my permission and they denied my mom with a sighn and notery power of attorney so I got realised XX/XX/2022 then I went to bank over and over explain wat happened and I can prove I was under state custody in XXXX XXXX XXXX so I was in prison so thats why I did not get in contact with the bank I couldnt so I had my mom with power of attorney papers and they denied her then all sudden my money and bank account was closed and money gone how the XXXX they can get away with that XXXX they saying my money was in joint checking was not until XXXX took it out my savings with only my my my name on it she switched money out my account to the joint account then took it out of joint account and moved it to another account with only her name on it I red wat they said and its all XXXX I put my money in bank to be safe I went to XXXX  served 28 months I can prove that and also my lawyer sent me power of attorney to prison I sent it back with noerized and they denied XXXX XXXX then I get out to try solve this matter and they say I cant get my money back aint fraud insurance for this matter thank u

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 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I tried to use XXXX with my Ally checking acct on XX/XX/2023 to send {$460.00} to a contact XXXX XXXX. I got a message from Ally bank that I needed to call them to verify my identity. I have called four times and every time the customer service rep for Ally says it has been verified and the hold on XXXX transfer to XXXX XXXX removed and transaction should go through now. It has not released hold on XXXX acct. Now Ally says they can not help me remove the hold.

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 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I received an email invitation from Citibank to receive a {$450.00} bonus if I opened a XXXX account and deposited more than {$50000.00} in new money and held it in there for at least XXXX days. I opened the account on XX/XX/XXXX and funded it with {$50000.00} from XXXX. That money has been in the Citibank XXXX account since XX/XX/XXXX. I received an email from Citibank on XX/XX/XXXX thanking me for enrolling in the bonus program for the Citibank XXXX account. I called into Citibank in XXXX after the XXXX days was over to ask about the bonus and was informed that it took up to XXXX days for the bonus to be paid to me and that it was scheduled to be paid to me no later than XX/XX/XXXX. When no deposit was paid on XX/XX/XXXX I called Citibank and was told to wait until the next day to file a Dispute Case. I called back on XX/XX/XXXX and started a Dispute Case ( XXXX ) which I was told would be resolved within XXXX business days. When I called back on XX/XX/XXXX to ask about the results, I was then told it could take a total of XXXX business days and to call back then. I called back on XX/XX/XXXX and there was still no answer with no information on when it would be resolved. I called back XX/XX/XXXX and it was the same as the time before with no update and no information on when it will be resolved. So I am now filing this complaint as I don't have any other recourse.

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 2023-02-17 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 XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Vehicle was a total loss on XX/XX/2022. XXXX was the primary insurance company and Ally carries the XXXX insurance. XXXX paid off the bank. Ally is refusing to accept the Vehicle Valuation Form from XXXX. This form has been submitted XXXX or XXXX times and after a few days of delay each time they reject it with no reasoning given. Only twice have they even sent a notice that they were rejecting it. Again, not noting the reason. After a few calls, I finally got someone there to tell me it's because of the lack of financial information on the valuation. This form they're requesting comes from XXXX, and I have ( nor they ) have any control over it. XXXX 's claims XXXX was familiar with this and stated " Ally does this ''. So apparently it's not uncommon, and appears to be a delay or denial tactic to get out of paying. All - EVERY single one - of the amounts they were requesting on the sample document were included on other forms that Ally ACCEPTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
The said car had been given back because I could no longer afford the payments. There was a payment plan set up then it was to be suspended because the car had been sold at auction on XX/XX/XXXX. When I returned the car I no longer had access to ALLY AUTO accounts and the remaining balance was given to XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Then on XX/XX/XXXX after the car was sold, they attempted to retrieve money from my checking account. They were unsuccessful so they retried the payment on XX/XX/XXXX and took money from my account. They did not remove my checking information when I had no access after giving the car back. I am disputing it with my bank to get my money back. ALLY no longer has the account, I have to set an arrangement with XXXX for the balance.

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 2023-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is 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 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2023-02-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is 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 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: Self Financial Inc.
State: NJ

Complaint narrative:
there is a fraudulent account on my credit report and i will like it deleted immediately, find attached the FTC Report. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My husband got an alert on the Walmart app and email on XXXX XXXXThat a gaming chair for {$130.00} including shipping was purchased with my credit card number. And my husband 's name. The address of XXXX XXXX XXXX # XXXX # XXXX # XXXX, XXXX, Pa XXXX. I immediately called My Capital One Walmart Mastercard to put in a fraud claim. I then filed a police report with XXXX XXXX police. Capital One shut down my credit card that night and is looking into the fraud charge. They said it will take 90 days to close the case. I have also contacted XXXX to have the package incepted and returned to the sender of which was XXXX. Purchased through the Walmart app from the third-party seller. I am hoping this doesn't go on my credit report. I am trying to counter act this awful situation this individual has put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I have numerous inquiries on my credit file that was unathorized and I would like them removed as soon as possible.

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 2023-02-17 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: NC

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 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 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
We applied for the HomeOwners Assistance Program in Wisconsin and were awarded XXXX that was sent to Wells Fargo on XX/XX/XXXX. 

They have refused to give us a breakdown of how the money was applied. 

Our Balance at the time of the Homeowners Assistance progran was XXXX with XXXX in a deferred status from XXXX. 

The payment from the state fund was to pay off the deferred amount and to pay the tax bill due from XXXX. 

Now the statement says we owe XXXX and there is still XXXX under deferred interest and they have given me the run around every time I call and will not send a breakdown. 

I believe they have violated our rights under the Truth and Lending Act because how could our balance be XXXX and they are sent XXXX and the loan balance only decreased by XXXX and they are saying we owe XXXX in back payments. 

This makes no sense. 

Please assist.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid off some negative things that was on my credit, because I'm trying to build and established credit. Once I did that I started getting a lot of emails saying I'm pre-approved for credit cards. Once I started the process I was getting turned down left and right, I couldn't even get a secured card. Now all these hard inquiries have dropped XXXX  score XXXX points. I was in a car accident and was in need of a car I went to XXXX XXXX XXXX to purchase a car, once they came back with an offer I refused and left. I went to a XXXX XXXX and was able to get the car I wanted with a low interest rate, but XXXX XXXX XXXX keep running my credit after I told them I didn't want to work with them anymore. I think that it is unfair that all these hard inquiries will be on my credit report for 2 years when I am trying to build and do the right thing. Credit card companies can lure you in to apply for there card with pre-approval emails know darn well they are not going to extend credit to you and be able to have a hard inquiry on your report for years. I also feel that once you leave a dealership they should stop try to run your credit to try and make a sale knowing that all those rejection will hurt your credit score even more.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I paid off some negative things that was on my credit, because I'm trying to build and established credit. Once I did that I started getting a lot of emails saying I'm pre-approved for credit cards. Once I started the process I was getting turned down left and right, I couldn't even get a secured card. Now all these hard inquiries have dropped XXXX  score XXXX points. I was in a car accident and was in need of a car I went to XXXX XXXX XXXX to purchase a car, once they came back with an offer I refused and left. I went to a XXXX XXXX and was able to get the car I wanted with a low interest rate, but XXXX XXXX XXXX keep running my credit after I told them I didn't want to work with them anymore. I think that it is unfair that all these hard inquiries will be on my credit report for 2 years when I am trying to build and do the right thing. Credit card companies can lure you in to apply for there card with pre-approval emails know XXXX well they are not going to extend credit to you and be able to have a hard inquiry on your report for years. I also feel that once you leave a dealership they should stop try to run your credit to try and make a sale knowing that all those rejection will hurt your credit score even more.

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 2023-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
acct number XXXX The XXXX XXXX XXXX I have no clue what this is from. I never was with the XXXX XXXX XXXX 
XXXX is the amount that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with BMO Harris, and credit card accounts from XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX NA : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief