vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX  : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX XXXX Bankruptcy : Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a call through a relative, on their phone from a place that identified themselves as XXXX XXXX XXXX associates. They called from XXXX. I returned the phone call. After asking for my social security number which they already had, they were asking me for information. I continually asked them what this was regarding and they finally told me Citibank. They said Citibank had sent me a bill for an old debt and I ignored it. They said Citibank had a defaulted balance from me for {$10.00}, XXXX and they tried to settle with {$1500.00} a week ago and I did not accept it and said that I tried to defraud Citibank and they were going to sue me. They continued to ask me questions and I told them I would contact Citibank and find out what they need from us. She continued to talk and I disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 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: DISCOVER BANK
State: NC

Complaint narrative:
The charge was from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Discover Card refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
spoke to XXXX representative name : XXXX id # xqt he refused to remove the inquires after me telling he can will remove unauthorized inquiries. Also won't correct the info reporting incorrectly every month which is going against my consumer rights. ANOTHER REPRESENTATIVE DID THE SAME YET HUNG UP IN MY FACE. BOTH SAID THEY DO NOT INVESTIGATE INQUIRES ONCE PLACED ON REPORT EVEN IF DISPUTED VERBALLY OR DISPUTED VERBALLY. REASON THERE STILL THERE NO INVESTIGATION. 

US CODE 15 USC 1681 section 604 of force no unity is allowed to pull my credit report without my permission US CODE 15 USC 1681 section 604 A 1A REQUIRES YOU TO VERFIY ORIGNAL SIGNED CONTRACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account capital one # XXXX datesXXXX & XX/XX/XXXX account XXXX XX/XX/XXXX & XX/XX/XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : Creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pertaining to complaint id XXXX with Experian the case is still open, and there has not been any response in the CFPB portal within the said XXXX days from Experian since the case was opened which results to a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent XXXX a certified mail letter requesting information in which I have yet to receive a response! XXXX is in violation of my rights as a Federally protected Consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I sent XXXX a certified mail letter requesting information in which I have yet to receive a response! XXXX is in violation of my rights as a Federally protected Consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
THIS IS ABOUT CANCELLATION OF A LOAN WITHIN THE STATED DEADLINE : I was approved for a loan of {$43000.00}, from Solar Mosaic LLC, License XXXX, to finance solar installation. The solar company representative said he was with XXXX XXXX, who had good reviews. Later I discovered XXXX XXXX was owned by XXXX XXXX, who as terrible reviews, from solar panels not working to electric bills being twice as high after solar installation, as well as bad customer service. I submitted the cancellation to Solar Mosaic LLC within the deadline of XX/XX/XXXX but I am having difficulty getting Solar Mosaic LLC and XXXX XXXX to cancel my installation and loan agreement. Though Solar Mosaic LLC received my cancellation request on XX/XX/XXXX, they said on XXXX that they had already funded the money to XXXX XXXX  XXXX XXXX said the completed a cancellation request and gave me a ticket number but refused to give me a copy of the cancellation. 

XXXX XXXX advertises that there is a state incentive for zero down, but this is not true. They assist in getting a loan if you have good credit. There XXXX ad even has Texas XXXX XXXX 's picture on their ad. 

XXXX XXXX operate using various names to avoid customers realizing that their products do not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have XXXX complaints with the same bank regarding a Prime Equity Line of Credit. 
On XX/XX/XXXX I made a final payment on a Prime Equity Line of Credit to Wells Fargo Bank XXXX. The account was opened by my husband who is now deceased. I am executor of his estate. 
After my husband passed in XX/XX/XXXX I went to the branch in XXXXXXXX XXXX with all the documents and closed his checking accounts. 
At that time I questioned whether the Lines of Credit needed to be paid because they were in my husband 's name and was told that was not necessary. I could keep making payments in his name. 
On XX/XX/XXXX XXXX line of credit was paid off. On XX/XX/XXXX Wells Fargo electronically submitted a Satisfaction of Security Instrument to XXXX XXXX Register of Deeds " in accordance of state law ''. The Grantor ( s ) name was spelling incorrectly and so the county has requested a Correction Affidavit to release the lien. I have spoken with Wells Fargo Probate Department to try and get this corrected and they claim the County made the error. Because I am not the account holder I can only work with the Probate Department and so I am stuck. 
When Wells Fargo allowed the Line of Credit to remain open they continued to make money but I essentially had no authority over the account. 
On XX/XX/XXXX I paid the final line of credit. In the payoff Statement it states " After the payoff is complete, we'll release the lien on the property in accordance with state law. '' I does not indicate that it will take between XXXX or as many as XXXX day for the paperwork to be submitted. 
I have a contract to sell the house tied to the liens. I was supposed to close XX/XX/XXXX but I am now in limbo and no one can tell me where the paperwork is or when I can expect it to be submitted. 
I am completely powerless. It is outrageous that there is no way to obtain the lien release within a reasonable amount of time. It should state in the payoff Statement that it is a prolonged process. I could have had the loan paid at closing. I am completely and utterly at a loss. Any help or guidance would be appreciated. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX. I used XXXX to purchase a XXXX XXXX XXXX from a XXXX XXXX XXXX in XXXX XXXX, Il. I sent {$3500.00} by XXXX Wells Fargo on XX/XX/2022. The XXXX salesman scammed me into sending the money to his personal XXXX  account. He said his account was linked to the dealer. Before my XXXX  was shipped, the dealer owner discovered the theft. Police were called. I was assured I would have the XXXX  I paid for in full. I also paid {$1500.00} by debit card for a total of {$5000.00}. This is the {$5000.00} purchase price in full of the XXXX. 

I have never gotten the XXXX or my money back. The XXXX dealer returned the {$1500.00} paid by debit card. I complained to XXXX on XX/XX/2022 and on XX/XX/2022 they denied my email. I complained again to Wells Fargo and on XX/XX/2022 they refuse to cover any of my loss. 

The XXXX dealer does not return my contacts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The charge was for a LOT of money from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Chase refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams. 
Additional documentation and request to reopen the dispute were sent via US Mail and have been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a floating rate CD with TIAA bank. It was a 36 month CD maturing on XX/XX/XXXX. Floating rate was supposed to move with the XXXX index. No interest has been credited to the account since XX/XX/XXXX. I called TIAA bank and they told me these accounts were closed by the bank in XXXX and as a result would not receive any interest. I was never contacted ( can not find any record of the communication on the TIAA web portal after logging on and searching ). Had I learned this I surely would have asked for them to send me my money so I could deposit it elsewhere and earn interests. Despite their decision to terminate the account sometime in XXXX they continued to pay me interest in XXXX ( IRS XXXX showing this available ) and up until XX/XX/XXXX. As interest rates have risen and this was to be a floating rate CD using the XXXX index I think much money is owed me. The bank had use of my money and must have earned a return using it. I am hopeful I can just get the agreed upon rate to be in effect from when I opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I bought a truck and obtained a loan. I was told I would onl have 1 inquiry. 
More appeared here 's the last 1 Capital 1 auto XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/2022, when I was working in the office in XXXX, XXXX around XXXX, I tried to call my son, however, the phone lost connection, I can't make any phone calls nor text messages. After work around XXXX, I went to XXXX store to fix my phone. The representative in XXXX said someone used your fake ID to take my phone line. After my phone got fixed, I called TD Bank immediately ( around XXXX ) about my banking accounts. At that time I found out I lost all my money and the bank specialist transferred my call to fraud department within the bank. They said there were three withdraws, {$9000.00}, {$5000.00} & {$8500.00} from my account XXXX on XXXX XXXX, 2022, two of them in XXXX, XXXX XXXX  and one in another location in XXXX XXXX On XXXX XXXX one withdraw {$4000.00} from my account XXXX in XXXX XXXX XXXX XXXX XXXX all of those withdraws without my authorization. I filed the affidavit report on the next day at TD bank located in XXXX XXXX XXXX, XXXX XXXX. XX/XX/2022. I was working in XXXX XXXX not in XXXX XXXX nor XXXX XXXX on those days. I did not authorize those cash withdraws. On XX/XX/XXXX, I found out someone used my identity to open a credit card in XXXX XXXX, located in XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, which I never authorized. I was in XXXX working in the whole time, did not go to those places. 
At the same day of XXXX, I call all credit bureaus to freeze my accounts, credit bureau included XXXX, XXXX and XXXX. 

I filed a police report on XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened up am XXXX XXXX XXXX credit card because they were offering/advertising " 30 % off your first purchase when you open and use a Real Rewards credit card! '' XXXX XXXX Bank never sent me my 30 % off coupon. I had already used the card at XXXX XXXX. I called Synchrony Bank ( the card issuer ) and spoke to customer service rep, XXXX on XX/XX/XXXX. XXXX suggested that he can dispute the first XXXX XXXX charge ( total was {$110.00} ) and get {$33.00} back on my account. I said that was fine but it would have been easier to just send a 30 % off coupon. XXXX told me to go online and on my credit card website, to submit screenshots of the 30 % listed on the website as proof that there was a discount on first purchase at XXXX XXXX XXXX XXXX I submitted a message on the online portal on XX/XX/XXXX at XXXX PM XXXX. 

I was notified on XX/XX/XXXX by a P XXXX XXXX that my dispute is noted and that they would look into the situation. 

I called XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) because I have yet to hear anything from them regarding the dispute. I spoke to customer service rep, XXXX, who informed me that the dispute was closed and that they decided in favor of the merchant ( themselves ). 

I only opened up a credit card with XXXX XXXX XXXX so that I could get the advertised 30 % off and also the " real rewards '', which is still not connected to my account. 

Very deceptive advertisement practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
Back in XXXX I called XXXX to request a refund for the payments I made during the pandemic period as allowed by the cares act. In XXXX they said my refund was above and that the funds to be refunded were transfered over to Mohela since they were the new servicer for my loan. I called Mohela and they couldn't confirm this info and said I would have to wait. Since then there's been no updates and I still haven't received my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation