vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-17 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: TX

Complaint narrative:
I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

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 2017-11-17 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: TX

Complaint narrative:
I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 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: William D. Meeker Enterprises, Inc.
State: CA

Complaint narrative:
I submitted a complaint about the improper use of my credit report to the CFPB on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX responded : " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not a creditor. XXXX XXXX does not extend credit for any reason and is only a credit report reseller. XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. Please find attached copy of executed consumer credit authorization. '' According to the attached evidence of the funding application provided by XXXX XXXX, I authorized XXXX XXXX XXXX XXXX to do the credit check. However, XXXX XXXX respond from XX/XX/XXXX stated " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX ... .XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. '' I did not give my permission to access my report to XXXX XXXX and/or any of its representatives. I demand to reopen the case and erase the credit check inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK AA Credit Card XXXX 2017 Statement I did a balance transfer approx XXXX XXXX with zero interest early this year. while paying it off monthly with more than minimum payment requirement, I have not made any new purchases. 

When the annual membership fee came in ( {$95.00} ), it was treated as a purchase, and so I was charged interest. 

I called a representative when it first happened and that interest was credited ( XXXX XXXX ) the following month, they charged me again with interest membership fees should not be treated as purchase

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 2017-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I was on the IBR plan and i got a letter approved and my payment was {$57.00} and then next thing i knew i was getting notices saying i was behind on my payments. now they raised it to almost {$80.00} a month. i filed bankruptcy in 2010 for hardship and have still tried make payments and be honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
XXXX bills prepaid XXXX social security act signature is required to discharge debt loans are fraudulent due to XXXX bankruptcy so y the XXXX XXXX stole my car wen dey took my wet signature copy of the XXXX contract and turn it into treasury of state and for XXXX paid the 3rd day after I had possession NO FULL DISCLOSURE OF CONTRACT AND UP UNDER CONTRACT LAW is we 're the misleading practices come in but y'all XXXX now way the he 'll is up but try to keep us down and out not his XXXX XXXX XXXX I AM XXXX AND U XXXX KNOW DAT SO STOP PLAYING THE XXXX GAMES YO ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Dear sir or Madam : I bank with Chase. I have XXXX credit cards, a savings account, and a checking account active with Chase Bank. I have been a member of Chase Bank since XXXX. I like having my accounts all in XXXX location, so I decided to use Chase to finance an auto-loan. Technically, this was a refinance because I purchased my previously leased vehicle. 

The facts are as follows : - I leased a vehicle - The lease term ended in XXXX XXXX, at which point I decided to use Chase Auto Financing to finance the purchase of my vehicle. 
- I financed the vehicle on XXXX XXXX, XXXX. 
- Chase incorrectly calculated the sales tax of the vehicle - Chase sent title documents to XXXX XXXX, MO in XXXX XXXX - Chase failed to provide me the appropriate amount of sales tax on the vehicle, so the title documents were not processed. 
- I called chase to determine where my title documents were numerous times. Chase punted me around to numerous departments before finally telling me that my title documents were not processed because they incorrectly calculated the sales tax on my vehicle. 
- I did not receive the title documents until XXXX XXXX, XXXX months after I financed my vehicle. 
- Chase caused me to violate numerous Missouri laws and jeopardize my car insurance coverage by their failure to properly process the title of my vehicle. 

As a result of the continuous errors with Chase Auto Financing, I have spent an unquantifiable amount of time dealing with this situation. If you pull the logs and calls that I have made, it accounts for what I can imagine is over 6 hours of communication, just with Chase, not counting the calls I have made to the local licensing office and the Department of Revenue. I first received notice that I owed more money for sales tax, again in XXXX XXXX, Missouri, where I do not live on XXXX XXXX, XXXX. This was over XXXX months after I financed the vehicle. 

Further, I have been assessed a tax penalty for failing to declare personal property by XXXX XXXX, XXXX in the amount of {$44.00} by the XXXX of XXXX XXXX, Missouri. I expect that this amount will be paid by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17 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: NJ

Complaint narrative:
I have been a victim of Trans-union Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please refer to the inquiries below : Business Name : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Name : XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX BANK Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance Companies - non specific Business Name XXXX BANK XXXX. 
Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Bank XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX Business Type Complete Department Stores Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Home Furnishing Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Miscellaneous and public record Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Banks and XXXX & XXXX Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance, personal

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 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I contacted Bank of America because my recently issued chip cards chip stopped working. This was due to no fault of my own. I called to get a replacement because some stores will not accept my card if the chip does not work. I was told that it would cost {$5.00} to replace the card. I did nothing to damage the card and did not lose it so I should not be penalized by having to pay a replacement fee. I asked for a non-chip card and was told that was not possible. This card is my Visa debit card attached to my bank account. If I did something that caused the damage I could potentially see paying the fee. Now I have a card that many merchants will not accept. I have been a bank customer over 20 years. As a result of this I am Bank shopping since this is not the first major inconvenience by Bank of America. I know the fee is relatively small, but its the principle. I did not ask for this chip card nor did I damage my existing one so why should I be penalized? Not to mention there are no options besides either having a bank account with a card that most merchants will not accept in a card present environment.

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 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has improperly charged me fees to the amount of {$8.00} every month for the past 3 months. I have had to call in every time, waiting on hold for a ridiculous amount of time to get a hold of someone in customer service who, though they reverse the charge, has failed to resolve the issue permanently. This fee was charged for paper statements ; at no point did I ever sign up for paper statements -- further, I never received any of the paper statements in the mail that they were charging me for. Though I have gotten my money back, and hope it wo n't happen again ( do n't understand why it ca n't all be done on their side ), it has gotten immensely annoying to have to call and go through this entire process time and time again. I am writing to the CFPB so they are aware of the issue and that Bank of America takes better steps to make sure this does not happen again with me or with other customers.

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 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
As of XXXX, XXXX, XXXX has been taking money out of our Wells Fargo Checking account without our authorization. They have done this XXXX times, sometimes bi-monthly for about a total of {$1300.00} as reported to me by Wells Fargo. 
I contacted Wells Fargo on XXXX XXXX, XXXX to report this unauthorized withdrawal. I contacted the fraud department as instructed. The woman from Wells told me that we would not be liable for these charges. She said that Wells Fargo would cover this for us. She did a search to see the history of the charges and found that XXXX was at times taking {$29.00} BI-MONTHLY FROM OUR ACCOUNT. She then transferred me to another person on the fraud unit. I had thought that I was already talking to the fraud unit. The case number that she gave me was XXXX. The fraud unit Representative the told me that there is a statue of limitations and they may only go back XXXX months. He implied that we were at fault for not reporting this sooner. He said that it would take about XXXX business days to get a reply from Wells Fargo and that we may or my not get our money reimbursed and that if it was, it could be taken away. He said it could take from XXXX days to process this. He said a lot of research goes into this. We may get a provisional credit or temporary credit but it can be taken away..He then transferred me to his supervisor after I told him that we were not responsible.I told him that I did not know if what he told me about the statue of limitations is legal. The supervisor came on, and she said that she could not hear me and ended the call, whereupon I had to call back and deal with another person who then told me I had to answer several questions which I did answer. I asked her to please email me the questions that I had answered so that I could have that for my records. I have not received that information. 
I hope that you can help me with this as I do not know what my rights are with Wells Fargo.

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 2017-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX an application was put in XXXX XXXX XXXX, by my husband, with me as co-applicant. Without my permission to use my name and social security number. Also on XX/XX/XXXX these other companies were contacted. 
2.XXXX XXXX 3.XXXX XXXX 4.XXXX 4. XXXX 5.XXXX XXXX XXXX 6.XXXX 7.XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX. ALSO ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX AND XXXX XXXX all of these businesses said I was an co-applicant on the applications with my husband being the primary applicant

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 2017-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have been going back and forth with XXXX and Experian for years. With Experian, my file is managed by XXXX XXXX. My issue is that I have left a 3rd voicemail for her and she has not called back. I am a victim of identity theft. I have sent over all of the required information and there is still one item on my report, in collections, that is a fraud item. I spoke with them this morning and they have the required information. They have broken the law because on a recorded line, I was told that within 5-7 business days, they would remove everything that was reported/disputed as fraud, once they verified the police report, which they have. They received the information, which I have attached to this complaint, on XXXX XXXX, 2017 @ XXXX XXXX  EST. All I want is for them to remove the XXXX XXXX XXXX Item that should not be on there that I disputed. That is it. 

I was told by XX/XX/XXXX that the items would be removed from my report within 7-10 business days. That has n't happened. I have also attached confirmation that they received my fax, on XXXX XXXX, 2017 in the evening. I am not pleased at how this is working out. I have also emailed every single executive 's email that I have found to get this situation resolved as well. My disputes are not a regular case. It is a fraud case, and the items should be removed immediately. I look forward to those being removed asap, as if they are not, we will be heading up to our local courthouse to exercise our right to be sued. Lets mention that my information was compromised in the hacking situation, so I may be exercising my right to sue in that aspect. I look forward to this being resolved asap.

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 2017-11-17 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: HW Holding, Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX reported a forcible entry and detainer case to credit bureaus XX/XX/XXXX.The case was dismissed XX/XX/XXXX in general sessions court ( voluntarily non-suited at plaintiffs cost/dismissed. ) I contacted warfield many times since dismissal-general court clerk faxed dismissal to them XX/XX/XXXX, they still will not remove from my credit report, instead when I dispute with XXXX credit bureaus and its removed they update report by adding a dollar to amount owed. In XX/XX/XXXX they updated report twice- by stating I had paid 5 % of the collection amount which is totally not true-by adding a dollar to amount {$1100.00} then $ XXXX.I was told by court clerk that I owe nothing because case was dismissed.Here it is 3 months later and again they have updated report increasing amount owed.I been refused housing and credit because of there continually updating my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America sent out an offer for {$150.00} bonus for opening a free checking account, which I did. The only requirements were direct deposits for three months, which I did. The first month 's {$25.00} service fee was refunded automatically a week or so after it was assessed. I was waiting for the second month 's fee to be refunded and then the third month it was charged again. I called to have the charges reversed but was told my account required a {$10000.00} average limit to avoid maintenance fees. The original promotion was deceptive, as I did everything that was required to get a free checking account and a {$150.00} bonus. BoA should not be able to get away with that kind of thing, they are supposed to be a large, reputable bank.

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 2017-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am attempting to use the card to make an online purchase where the billing address zip code is required. I have attempted to contact American Express to get one, or register the card so that I can use it. All attempts to contact the company by phone or online have failed, there is no option on their contact numbers to speak to an agent, and one number puts you into a survey / sales pitch loop, then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
I need my XXXX title to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX already got paid for ... or I will just put lien on XXXX XXXX whole business XXXX YALL THINK I DONT KW WAT THE XXXX GOING XXXX XXXX XXXX XXXX AND STILL IS EVEN IF I GET CAR BACK JUST TO SHOW HIS XXXX XXXX I CAN JUST LIKE HE DOING IMMA PLAY YALL XXXX BETTER THAN YA XXXX XXXX  ... and doing XXXX XXXX today since XXXX XXXX want to sit up and lie to my XXXX face go XXXX some were which y'all clone XXXX and taking y'all XXXX to court for misleading practices XXXX STOPS WITH ME AND DESE XXXX GAMES WE OUT WITH KIDS AND Y'ALL XXXX WANT TO PLAY GAMES GIVE MY XXXX BACK FOR IT GET REAL UGLY OUT HERE LAST WARNING NOW TRY ME XXXX XXXX XXXX XXXX IN THAT INDIANA OFFICE U CAN BE FOUND for XXXX with my intellegence ...

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