vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I was contacted by phone text. Claiming to be a winner of an enormous amount of $ who wanted to help me get back on my feet. Agreed to forward me XXXX on a prepaid vanilla Visa card. I did forward a picture of front and back of card, but never gave him the # on my receipt. How did he still get the money on the card? Checked Balance and I have {$2.00} left on the card. Im ashamed as to what I fell for. Please help me. I am already down on my luck. The phone # are- XXXX promised to pay- sent photo to this #. Contacted me # s- XXXX and XXXX. If you can get my $ back I would appreciate it dearly. I can give you the visa # card and info if needed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My wife had a car loan through Ally Financial an online bank. She passed away in XX/XX/XXXX. The car was repossessed in XXXX at which time to get it back the loan was paid in full. I have never received the title or a release of XXXX to get the car registered to me. I went to the Ohio title bureau in XX/XX/XXXX to request a replacement title. They said it still showed a XXXX on the car. Ive called Ally numerous times since then and they do show the car is paid in full. They have said theyve mailed the title/release, that theyre going to mail it and XXXX get it in a week to XXXX days ( I, havent ). I get transferred to numerous people and departments to no avail. The plates on the car expire soon and XXXX be stuck with a car I cant or shouldnt drive because of their negligence. The car is or should be legally mine but I cant prove that since I dont have the proper papers. The loan was in my XXXX name only, XXXX XXXX XXXX for a XXXX XXXX XXXX. I would tell anyone not to do business with Ally Financial

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 2022-10-01 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: IL

Complaint narrative:
On XX/XX/2022 I sent the XXXX XXXX XXXX EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report. 

the XXXX XXXX XXXX stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer. 

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report. 

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: AL

Complaint narrative:
XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 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
Consumer complaint received 2022-10-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 2021

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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So I was On the market looking for a house. Sadly I fell for one of those scams where I saw the house was listed at a good price and the landlord isnt who they say they are. On XX/XX/2022 I fell for the scam and sent my landlord {$1000.00} from my saving account to secure a security deposit. The next day I seen that the email enrolled on XXXX was unenrolled so thats when I knew something was up. I called my bank and told them the situation I was in, they later said they would do a claim but it turns out they cant do anything because I verified the amount but before hand, I was going to verify the amount I asked the my banker if I could get reimbursed if this because a scam so I said yes verify the transaction. Later to find out it was a scam and im not being reimbursed after calling right after

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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I have a business checking and savings as well as a personal account with M & T Bank which has been open for roughly XXXX years. When I opened the account, I was incentivized to have any fees waived by opening a business and personal bundle. XXXX accounts waived a {$25.00} business checking fee and a {$14.00} personal account fee. This occurred until the middle of this year. 

As noted above, the {$25.00} dollar charge and {$14.00} charge stopped being waived without explanation. I called the bank each month to ask why this stopped and was told that I was compliant with the bundle policy communicated to me upon opening. On XX/XX/2022, I noticed additional charges and called to inquire. Today ( XXXX ), I was told that there is now an account minimum which I do not meet ( and have never met ) and that the branch manager was waiving this fee at his /her discretion. 

These changes were never communicated to me in any written or electronic form. Previous interactions with live customer service representatives - as recently as XXXX / XX/XX/2022- indicated no account balance minimum or bundle waiver issue. 

I was told today verbally by a customer service representative that they will now send me something in writing- only after the charges have been imposed to both my personal and business checking. 

Arbitrary enforcement of bundle fees with no communications is clearly a misleading effort by M & T Bank to sell/ bundle their accounts and boost account opening stats. 

I'd appreciate if there was an inquiry into these types of 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 monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I used to live in XXXX XXXX and used to go to XXXX XXXX, but during a pandemic, they closed the gym and their services, and I stopped going and moved to XXXX. They want me to pay XXXX dollars for the service I never used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I can provide speed pay receipts showing that I made a XXXX down payment with XXXX  days to make first payment. Covered maintenance and insurance. XXXX  XXXX XXXX XXXX payment : XXXX Customer Service Representatives we're calling before XXXX day period demanding more income/added XXXX to XXXX dollar fees for no reason/ added XXXX charges to account Not flexible to change billing cycle date ( acct has to be current ) to match XXXX XXXXXXXX XXXX stolen not repossessed Falsely reported me XXXX days late. 
Company will be paid twice after I invested a year in vehicle, resold to another consumer Can provide proof of payment and dates Needs to be refunded or removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Wed XX/XX/XXXX - I called and emailed Fair Collections & Outsourcing , Inc. ( FCO ) requesting debt validation and breakdown of all charges for account XXXX. 
Thu XX/XX/XXXX - I received my request, and replied in an email that the information was incorrect because I moved off of the property on XXXX XX/XX/XXXX, and any charges after that date need to be corrected. FCO responded that they would speak to me over the phone. I replied that I would like to continue the conversation via email, keeping a written account of everything. They again responded that they would only speak to me over the phone, and refused to answer my questions in via email.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I sent documentation the Transunion to remove items listed below from my credit report due to them being fraudulent accounts. Transunion claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. 

I sent another dispute letter along with my driver 's license and an FTC Affidavit to Transunion on XX/XX/2022 to have the items removed to no avail. 

In accordance with the Fair Credit Reporting Act, XXXX LT Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-01 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: FL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 he 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 non-monetary relief
Consumer complaint received 2022-10-01 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: Experian Information Solutions Inc.
State: FL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 he 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 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the XXXX data breach and May have gotten 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 explanation
Consumer complaint received 2022-10-01 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: TN

Complaint narrative:
On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the Equifax data breach and May have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys account never 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 explanation
Consumer complaint received 2022-10-01 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My in laws pass away within XXXX month of each other. When we got to the car loan info going through their stuff, we communicate with Chase auto to inform the desire to keep the car and that we were in the probate process. We ask for the info on debt and how much we need to pay. They informed me I was not authorized to get info. I ask what need it to be done to get the authorization and they said nothing ( which it was a lie because I found out there was a process ) I beg to tell me any process to get authorization and informed of the probate process again they said nothing can be done. I made a payment blindly and XXXX weeks latest the car was repossessed for late payment. When I contact my lawyer he informed me that with an affidavit and a letter fro the executor I could be authorized. We did this in less that XXXX hours and after submitting the paperwork I was able to find out about the late payments. I complained about no been giving the info necessary to get authorized and they allow me to get the car back and said they will waved the repo fee. For XXXX years I have been paying the loan and asking why the fees are not wavered. They apologize and said will be taking care of. Finally we pay off the car and now they want me to pay the repo fees they said was waved for the last XXXX years. Every time I call the hang on or transfer me to XXXX different department and said it will be waved. Today I got a call saying that if I want the title of the vehicle I have to pay the fees. I informed them this was supposed to be waved XXXX years ago and they responded by saying nope, you have to pay the fee if you want the title. This is ridiculous and have put our family through XXXX for XXXX years as we grieve the lost of XXXX family members. I cant stress how hard this has been and now they are holding the title XXXX and stoping all the probate proceedings until we pay a fee they said it was waved

Company response to consumer: Closed with monetary relief