vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TN

Complaint narrative:
On XX/XX/2022, after attempting to speak to a supervisor from XXXX at three different intervals, XXXX, a female that I didn't get to have her name, and XXXX while assured someone would call me back within the hour after speaking to XXXX, the other two agents informed me that " no supervisor was available today. '' I wanted validation of debt and breakdown of charges as this account was opened under fraudulent circumstances to which XXXX was made aware months ago. 
XXXX informed me that XXXX no longer owned this account and could not look at the lease agreement and advised me to contact Afni. 
I was not provided anything to prove that this was my debt by XXXX or Afni especially prior to reporting to the credit bureaus. 
It seems that XXXX bills for fraudulent third party charges, as well. 
The attached leases are NOT MY signatures, nor am I a junior as I am female.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
XXXXn is reporting on my credit that I have an account with XXXXXXXX XXXX. I have no knowledge of that account at all. I contacted both XXXX  and XXXXXXXX XXXX to remove that claim off my report. The account number associated with their claim is XXXX. 
XXXX also reports that I have an account with security credit services, I don't have any knowledge of that account. I mailed and called them to make that dispute and I was told that the couldn't find and information that I have an account with them. So I was confused as to why XXXX would say I do. 
Also Equifax is reporting a fraud report and so is XXXX Equifax and XXXX have those fraudulent credit report as well as a extra fraud claim from collections bureau stating that I have an account with XXXX when I ask for the so-called account number associated so I can dispute it as fraud they told me the couldn't find my account number using my social security number. That they would need my phone number associated with the account but I told them I wouldn't know that number if I didn't make an account with them to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that Equifax, XXXX XXXX and XXXX. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX loan information. 

PROOF OF POSTAGE - XXXX ( equifax ), XXXX - XXXX, XXXX- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There have been discrepancies regarding the XXXX XXXX Claim. 

I have provided a letter from the attorney representing XXXX XXXX XXXX. 

The letter provided details of the payment extension discrepancy. 

XXXX and XXXX do not have a copy of the GAP insurance policy and are unaware that Ally Financial is still responsible for the remaining balance on the vehicle. 

I am in receipt of a letter stating that 72 months was and remains the installment loan. There were no loan modifications made. 

I requested 2 payment extensions and I only received 1 temporary payment extension and a loan modification was not provided. 

The billing was caught up and the XX/XX/XXXX payment was rendered on XX/XX/XXXX. 

XXXX payment due was still within grace period when the date of loss occurred on XX/XX/2020, however XXXX payment was not paid. 

Ally Financial is responsible for the remaining balance. 

The remaining balance needs to be paid off to XXXX and XXXX who represent XXXX XXXX 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 monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Not a duplicate an not filed by a 3rd party. to whom this may concern I am writing to report all of the incorrect information listed on my credit report. I am a victim of identity theft. I am interested in all original creditors reviewing the files with the dates, accounts, amounts listed an remove the information imediately. this has hendered me from moving forward due to these errors. my credit report is supposed to be 100 % accurate on all 3 credit reports. that is not the case. please review the details in the files.

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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: WY

Complaint narrative:
I continuously request my payment information be removed after every payment is made. Every time I call to make a new payment, they STILL have my financial information on file. They continuously LIE to me by saying there is no information on file until I say I want to make a payment and all of a sudden they have my bank information. This is EVERY month between the XXXX the month and the XXXX of the following month. 

In addition, I have requested my loan documents twice. I have not received them. Worse, I was NEVER given a copy of my loan documents at the time of the loan. The dates of the requests are : XX/XX/XXXX and XX/XX/XXXX. I was told the documents would be expedited and that I would have them by XX/XX/XXXX. As of XX/XX/XXXX they have not arrived. Again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified i

n 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capitol one Bank due to the response I received. I was told i was denied an increase for recent delinquency of my consumer report which currently is very false as I have no recent delinquencies at all I have been with capital one for a few years now with no issues and no late payments and I have not been grant and increase in over 2 years. This is very unfair as I have had an outstanding history to date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Marcus bought my credit card account from XXXX. I had direct deposit with XXXX, but marcus did not honor it, I was charged a {$29.00} late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written Consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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:
It has come to my attention that although I have written several letters asking for validation of debt, audit trails, permissible purpose letters I am not getting any response because of the automated system you have in place which is in fact a violation as well.I am demanding these accounts to be removed immediately off my credit report as it is violation to the following federal constitutional laws. 

15 USC 1681 ( A ) ( E ) 15 USC 1691 15 USC 1601 15 US 1692 I am afraid these 3 credit reporting agencies have failed to to exercise the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts. 


I have remained humbled despite the stress, abuse, and harm these three credit reporting agencies have done to me. I am ready to file a law suit if you do not remove these accounts immediately 10 days from today.

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 2022-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
What I am tying to understand is how can a company steal your information and run a vast amount of hard inquires on someone's credit report. I never gave Capitol One written or verbal permission to run 8 hard inquires and then furnish them on my consumer report. I thought as a consumer I had the right to privacy? I also thought furnishing a report in connection with credit or insurance transaction without the consumers consent is against my rights as a consumer? 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Capitol One, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The auto loan was financed by Truist Bank. The auto loan was paid off XX/XX/2022. We are asking for the Gap refund in the amount of XXXX. XXXX XXXX mailed a check to Truist on 8/01/2022.The check cleared XXXX XXXX Bank XXXX XX/XX/2022 Ck # XXXX. We have contacted Truist Bank many times to see if they have mailed the check back to us or XXXX and no one at Truist can give us any information on this check. As of today 's date we still have not received a check.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
M & T Bank purchased People 's United Bank and when the transition happened my accounts were not accessible. Called customer service, waited on hold for 42 minutes and was told they needed to transfer me to digital support. Waited on hold with digital support for 2 hours and 56 minutes. The person who answered was unable to see my information and asked me to hang up and call back so the information appeared for them, but never gave me a number to call before disconnecting me. Now the process starts again. 
This is criminal in my book, as they have my money, which I have no access to and they either did not plan this conversion correctly or severely understaffed their support. 
Called back and now on hold for over 1 hour with no one to help me.

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 2022-09-07 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently purchased one nights stay at the XXXX XXXX in XXXX VA. I made the purchase through my XXXX XXXX rewards member portal with my Capital One credit card. The amount that I paid was the rewards member rate which came to {$94.00} night and {$100.00} after taxes and fees. When we checked in I was told to run my card for the original amount of {$100.00} and a separate charge of {$200.00} for incidentals. We were told that checkout was at XXXX, nothing more. The next morning at XXXX the manager is at my door stating that we will be charged for half a days stay because we are in the room past XXXX. My husband tells the manager that im not feeling well and was just finishing up in restroom. We vacate the room at XXXX, after taking a few moments of video of the room to avoid any further fees.We were told at the front the desk that they would be applying a half day charge but never given an amount, or a final receipt of the charges. I had no idea about the policy, so I called XXXX customer service immediately from the parking lot. I was told they would " submit a ticket '', but each location is independently owned and they would have to contact me. I was not contacted.I only became aware of the amount of this " fee '' after it was deducted from my incidental hold. The total came to {$120.00} for the half day fee. My credit card company will not honor my dispute stating that I do not have enough evidence to support a chargeback.This is my first charge dispute after having this card for 5+ years.In response to my chargeback, it was stated that I was charged for a half day stay for a " last minute stay '' for a " fully booked hotel. '' After the charge was reapplied to my credit card, I contacted the XXXX XXXX XXXX. When contacted by the XXXX, there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank closed my account on or about XX/XX/2022 the reason they claimed was that i deposited 2 checks with a small amount that was a third party check and they requested that i should bring in the check maker and payee to the branch with identification up to 10 business days and i was not able to do that so they closed my account with all the money in it even checks written to myself and didnt want to release all of the the money which was about {$1800.00} i called them and not got any help after wasting hours on hours on the phone and going into the branches i spoke to a supervisor on XX/XX/2022 and she told me that the money was sent to the state but she can not give me any information to which department it was sent to and what date it was sent so i contacted the state comptroller 's office and they said that they did not receive any funds under my name so I am still waiting for my money to get back to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I called Credit Acceptance on XXXX XXXX2022 for payoff quote it was up to XXXX XXXX2022. Total amount was {$9200.00}. I called for another quote to possibly extend it until XXXX XXXX,2022. That payoff quote was {$10000.00}. I asked representative why so much, she said she didnt know, she asked my mileage at that time just as the first representative did on first payoff. On XXXX XXXX2022 I called back credit acceptance, paid loan off over phone with a representative. They did 3 transactions of {$2500.00} dollars and 1 transaction of {$1700.00} and also charged my bank account {$9.00} for each transaction. At that time once it was completed the representative told me I would be getting a refund for vehicle service contract I had cancelled that same day. He told me I would get letter in mail and I should get most back because I never missed any payments and Im paying off early. I received letter stating I would be a cancellation refund of {$1700.00} dated XXXX XXXX2022. I called on XXXX XXXX2022 asking status of refund representative then told me I would be only getting {$95.00} back that they put it towards what I owed. I talked to supervisor she said the 2nd quote representative didnt ask me mileage I said you record your alls she said yes I said then listen to it because she did ask me. She said she wasnt changing it. I paid all interest, finance charges, rebate charges. And paid loan early I believe I should be paid full refund. I asked supervisor how did they come up with the amount of {$95.00} because that was my weekly payment.She had no right answer. I kept asking her I pay a loan off a year and half early never late, and all interest finance charges and they try give me a lousy {$95.00}. I said they are crooks.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is regarding my BoFA card ending XXXX which is premium rewards card and offer a {$100.00} credit annually for Airline Incidental Fee. This year I made two transactions for seat upgrade and baggage from XXXX XXXX on XX/XX/XXXX ( {$240.00} x 2 ) for which I didn't notice the {$100.00} credit. On XX/XX/XXXX, I contacted BoFA customer care to enquire about the missing credit. They submitted a case on my behalf but nothing happened and after a week I received a letter stating that they needed more information. 
I called the customer care again on XX/XX/XXXX and the representative told me that they wanted to confirm if the seat upgrade was purchase separate from the original airline ticket, to which I confirmed YES. I even gave a reference of two similar transactions from XX/XX/XXXX ( {$230.00} x 2 ) for which I did get the credit after reaching out to them last year as well. It was the exact same transactions, with the exact same airline and the exact same purchase for the seat upgrade and bagge. She created XXXX # XXXX and told that she mentioned about two transactions from XX/XX/XXXX too for reference of the representative who would look into this case. 
After again a week I received another letter that stated that transaction was not eligible for the credit since the transaction was part of the airline ticket and not separate. I called the customer service again today ( XX/XX/XXXX ) and the agent told me that he can not do anything since the case was already reviewed. When I asked him how did you assume that the transactions I am claiming were part of the original ticket and were not separate transactions to which the agent responded with no ownership saying " It's not me, it's the representative who reviewed your case has mentioned ''. I told him I have the proof from the airline which is the confirmation email of the seat upgrade package purchase for the transactions I am claiming for the credit that shows it was separate transactions not part of the ticket purchase. However, all they told me that they would put that on the case for the representative to review the case again but still did not ask me to share the proofs I have. I knew this is not going to be resolved based on my prior experience with BoFA and since I am planning to close this card because of all these issues, I want to get the credit before I do that and thus submitting this complaint. Hope you can help here.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Chase due to the response I received. 

Recent delenquency on credit report That I have sent proof that it was an error being corrrected

Company response to consumer: Closed with explanation