vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
On XX/XX/XXXX, I received a request from Well Fargo, via XXXX, requesting proof of full coverage insurance from XXXX. I spent over five hours tracking down the insurance companies I had full coverage with from XXXX. I called Wells Fargo on XX/XX/XXXX, and provided each policy number and insurance company as follows : XXXX XXXX policy # XXXX & XXXX policy # XXXX. I called on XX/XX/XXXX, and received notification that my insurance polices checked out and that they needed no further information. 
I emailed the Wells Fargo CPI counsel on XX/XX/XXXX ( XXXX ) regarding the status of my case. I received a scripted reply that my case was under review. I called again today, XX/XX/XXXX, and again received the same scripted reply that they needed no further information and my case was still under review. 
If my calculations are accurate, Wells Fargo overcharged me by $ 150-200 a month for two years. On the low end, that's over {$3000.00}. My vehicle was not repossessed and in fact, I paid off the entire loan. Wells Fargo has had over six months to verify that I had full coverage insurance, which I went above and beyond what they requested and provided them with the policy numbers to lessen their work, but they still offer only the scripted response that my case is under review. 
How can a big bank rightfully steal money from everyday people and take a long as they want to repay the money? I understand I am one in a sea of thousands of people robbed by Wells Fargo, but I've done the work for them ; I tracked down the very policy numbers for them. They simply have to make two phone calls, verify the policies, do the calculations, and cut the check. 
I've reached out to them about filing complaints and was told today by XXXX at the office of the President of Wells Fargo ( XXXX ) to go " right ahead and file whatever complaints I wanted to, '' so, here I am. I am not asking for anything more than what was already stolen from me for two years. I never even defaulted on my loan, despite the fact that the bank unduly charged me for two years, I paid off my vehicle in full. The least they can do is refund what they stole illegally. 
Thank you in advance for any assistance you can provide.

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 2020-05-11 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

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 2020-05-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

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 2020-05-11 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: CA

Complaint narrative:
I became aware of fraudulent accounts that were opened in my name back in XX/XX/2020. Immediately after discovering the fraud, I filed a dispute with TransUnion. I also reached out directly to the creditors that were reporting these fraudulent accounts. The creditors would not speak with me on the accounts as I could not verify all the information they had and redirected me to the credit bureaus. After approximately 30 days, TransUnion alleged that all creditors verified the accounts belonged to me. 

After consulting with a consumer attorney, I filed a police report along with an FTC report confirming I am in fact a victim of identity theft. I subsequently sent a request to TransUnion under section 605B for the FCRA requesting that the fraudulent accounts be blocked. This section reads, in part : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I supplied everything that was required to TransUnion and sent it certified mail with tracking number XXXX. The tracking information confirms my items were delivered on XX/XX/2020. After receiving no response, I contacted them via telephone on XX/XX/2020. I was advised that they received my documents but decided to dispute the fraudulent accounts directly with the creditors again instead of blocking them. After reminding the representative that the FCRA mandates a response to my request, she advised they have the authority to determine if my requests mandates a response and then chastised me for not discovering the fraud sooner. I was left shocked and confused that a large corporation would have such blatant disregard for the intention of the legislators.

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 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I made a mobile deposit of {$30000.00} from my money market saving account at XXXX XXXX XXXX  XXXX XXXX XXXX to my checking account with Bank of America ( BOA ). Bank of America put a hold until XX/XX/2020. When I checked my account at XXXX, the {$30000.00} check was cleared on XX/XX/2020. 

I called the customer service line at BOA on XX/XX/2020 and after some research, the customer service representative ( CSR ) told me that the fund would be released immediately. 

Today XX/XX/2020, I checked into my balance at BOA and the {$30000.00} still has not been cleared with BOA. On top of that, the check hold has been extended from XX/XX/2020 to XX/XX/2020. I called again with BOA CSR and the new CSR said that CSR of Friday did not release the fund and did not do the right procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: PA

Complaint narrative:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid 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: CA

Complaint narrative:
I was XXXX  in XXXX with XXXX a form of XXXX  XXXX. I was then laid off due to the pandemic. Kolhs has shut down store and I am locked out of my online account I was physically unable to make a payment. They have reported to the credit bureaus and have no financial relief to the pandemic. They are requesting a payment immediately.i have no income!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 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: TN

Complaint narrative:
Have you ever tried to reach a LIVE human at Trans Union? Have you tried thier 3 reporting agencies- reporting product? I HAVE- AND THEY RIPPED MY MONEY OFF. Try asking for your money back ; because I have- on 4 occasions, now, as I am typing, this is the 5th attempt to reach a LIVE Human -to at least, GET MY MONEY BACK THAT I WASTED MY TIME on- trying to get them to add my clean credit report as, this is what IS a verified and actual recent and TRUE report. I have had open disputes that have been resolved in my favor, but to this day, even with trying to pay TU to look at the other repirting agencies findings, they have not CHANGED the report, they have not looked into my resolutions and outcomes from my past disputes. Not only this, dont assume that your reports are ALL clean, I have tried to apply for credit, thinking that the money I paid was for them to look at the other agency reports, but NOOOO! What they DID DO is ADD a freaking INQUIRY! LAME! I am still waiting to ask for my money BACK and have them take the inqury off and add the NEW reports!

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 2020-05-11 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: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I entered into an agreement with Sequium Asset LLC for the debt that XXXX XXXX XXXX had sent them. I had not known this bill was not paid when we changed services. I entered into this agreement when I was told this would not affect my credit due to the payment arrangements and made the first payment in XXXX. In XXXX they reported the full debt to my credit report, that I had made no payments and made no payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: FL

Complaint narrative:
XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.

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 2020-05-11 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: FL

Complaint narrative:
XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.

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 2020-05-11 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$660.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX {$3600.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Ive had this account since XX/XX/2018 with a flawless payment history. Recently I had unauthorized access to my account which submitted 2 or 3 payments that were returned it did not affect my regular payment which I still made as planned. My credit card company Home Depot by way of Citibank arbitrarily closed my account without contacting me. I would have preferred to be contacted and my account not been arbitrarily closed. Thx!

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 2020-05-11 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
State Farm Bank , F.S.B . repossessed a XXXX XXXX XXXX in my name in XX/XX/XXXX from a residence in XXXX, TX. The car was sold at auction sometime in late XXXX. 

State Farm Bank , F.S.B . has placed a {$5300.00} collection account on my credit report for the deficiency balance. 

State Farm Bank , F.S.B . failed to provide notice of timely ( within 10 days of the repossession ) intent to sell, per Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614. 

State Farm Bank , F.S.B . also failed to provide documentation of the sale price of the vehicle and the amount of the deficiency balance as required by Texas law. 

According to Texas Business & Commercial Code Sect. 9.625, State Farm Bank F.S.B.s failure to comply with Texas state law vehicle repossession statutes entitles me to damages, which I am  prepared to pursue through legal counsel. 

I demand that State Farm Bank , F.S.B . immediately delete this collection from any and all credit reporting bureaus. Failure to comply will result in legal recourse against State Farm Bank , F.S.B . for violating Texas repossession laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I already submitted a prior complaint which resulted in another date change on my Equifax report that is completely false concerning an old debt with XXXX. It was also on my XXXX  report, but has since been deleted. Equifax is the only one reporting this outdated debt that is far beyond the time limits for reporting. The account open date is incorrect as well as the Last Activity date which continues to get changed by XXXX. 

I submitted a complaint with cfpb showing the Last Activity date XX/XX/XXXX ( which should actually be back in XXXX ) and just received an updated Equifax report that now shows a date of last payment to be XX/XX/XXXX. That is a complete falsehood. Not only did the date change, but the amount owed doubled! This is XXXX 's attempt to use Equifax to collect on an old debt where the statue of limitations has long ran out. There is no proof on XXXX 's reporting to Equifax. I have attached a copy of the date changes. If this is not resolved my next action is to file suit against Equifax through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: CITIBANK, N.A.
State: NV

Complaint narrative:
In XX/XX/2019 I gave my credit card over the phone to make a {$1000.00} deposit with XXXX XXXX  XXXX XXXX to hold a used XXXX XXXX XXXX XXXX XXXX  for me for 10 days so that I could arrange to physically inspect it and then decide to comply the purchase if the condition was as advertised on XXXX as I lived 3 states away and needed to drive 3 days to get there ( XXXX, NV to XXXX, CO ). The merchant never provided me any of his terms or policy as to forfeiture of my deposit or that it was non-refundable and I signed no forms from the merchant to this effect. Upon arrival the unit was in very poor condition so I asked for a refund. The merchant XXXX said he would need to check with the actual seller directly first, as title was in the owners name and not the merchant. The next day I was informed that the deposit would not be refunded to me. I immediately called and started the dispute process with Citi which took over 3-4 months. I was then notified that Citi resolved the matter in favor of the merchant since the merchant had the power to simply refuse my dispute. This is not acceptable to me. The merchant has acted in bad-faith and his false advertisement of the product induced me to waste my time, effort and money. My wife is a witness as she was with me throughout this transaction and unit inspection. Citi has al of my documentation in their dispute file.

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