vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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:
MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN

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 2023-02-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten 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 2023-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX2022 we inquired regarding a property listing with address XXXX XXXX XXXX XXXX XXXX XXXX, CA. Thar same day we were contacted by a suppose owner stating information on property. He sent over an application we filles it out. On XXXX XXXX2022 we received an email stating we had been approved with an attached doc. XXXX XXXX letter signed by the landlord. We sent over $ XXXXas it was requested for downpayment to lease home. He was asking for XXXX, but we asked for bank account information to wire or transfer. He sent over following bank info. Account name : XXXX XXXX XXXX ROUTING # XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX. We felt secured sending these funds since we were banking with the same financial institution, and we were told by clerk it was safe. We Sent {$5100.00}. We were frauded out of our money the property didn't belong to this person. We made contact with XXXX XXXX XXXX # XXXX email XXXX. I filled a police report with the XXXX Police Department with case # XXXX. I made a dispute with Bank of America XXXXXXXX XXXX2022 claim # XXXX2022-XXXX. Received mail dated XXXXXXXX XXXX,2022 saying they couldn't recover funds. Even though proof was presented. Of Fraudulent activity. Aside from my money my other concern is how is bank of America letting people open account to scam its costumers.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit has wrong information and XXXX more credit that the othe two Credit bureaus

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 2023-02-27 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: FC HoldCo LLC
State: GA

Complaint narrative:
Loan has been paid off 2 weeks, and i still do not have my title.

I have called multiple times.

I have emailed multiple times, and gotten no reply.

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 2023-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX/XXXX/2022, we received an email stating our bank WELLS FARGO thought maybe some fraud was happening with our account, but we did not see this e-mail until the morning of XXXX/XXXX/2022, at which time my husband XXXX called and then went to the bank to address the issue. He advised we were not making any wire transfers to anyone at XXXX XXXX XXXX XXXX using a name that was provided to us from the bank. and that they needed to stop one ( one was created for XXXX XXXX ) in the process that began on the XXXX. During the time at the bank this person was trying to wire 2 other transactions, one for XXXX XXXX and another for XXXX XXXX. They close the account down and were going to send a new bank card, and " look into it '. Time past and when XXXX contacted the bank because he never received the new card, he was advised there was no fraud, he again said this was untrue, and we thought the bank was doing their part and working to get us our money back as they said they would. XXXX was in contact with one person ( XXXX XXXX XXXX in XXXX that had pulled up the phone recording of the person that committed the fraud trying to gain access to our account, and she advised oh yes this is not you XXXX XXXX. Due to a rep on the call the said person gave supposedly some information that allowed them access and set up a new username for our account. Time went by and XXXX took ill and returned to someone else closed the investigation. She then gave it to her supervisor ( XXXX XXXX to reopen as she knew it was fraud and again it was closed. We found this out in XXXX when I said we needed to go to the bank to see what is going on XXXX I requested he make an appointment with the bank to see what is going on. Then that is when we were told the case was closed. In XXXX  we were advised to make a police report as well as file with the FBI we did all that. We did not allow anyone to access our online bank account and remove money via a wire transfer in the sum of XXXX XXXX We are hoping this complaint will be seen and someone will do their part to make this right. If WF acted in a timely manner our money would have never been released. They were advised before XXXX on Friday XX/XX/XXXX this was fraud, they did not contact the bank the wire was going to until Monday XXXX XXXX, you really think a thief was leaving the money in the account? They claim because this was done thru online banking the funds were not FDIC insured. And would not be given back to us. We even spoke with XXXX XXXX XXXX XXXX and they could not find the name of the person to have held an account that was getting our money.

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 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I am being charged on my medical debt I agreed to make some payments and the debt would be taking off..also the fair credit reporting act shows that of XX/XX/2022 medical bills are not supposed to show or hurt me on my credit which this has stopped me from gettin loans because XXXX is using it hard inquiries against me with XXXX XXXX and the others still showing it also.Also I was never gave the option to opt out of my information being shown to the public so Wakefield and associates who is the debt collectors have also violated my rights by sharing my info to my credit without my permission per being able to opt out or not I addressed this with them and they told me I didnt get the option to opt out and also told me that it didnt matter because the fair reporting act of 2022 was not a law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received an advertisement to lower my monthly payment on my XXXX XXXX that was purchased in XXXXXXXX XXXXf 2022. My rate from XXXX XXXX was a high at 12 %. After filling out the loan request from Capital One Auto Loan department, my rate was going to be 10 % and my monthly payment would go from {$260.00} a month to {$230.00} a month. I was given a choice of payament terms and length. Consisting of 3 different rates and monthly terms. I chose {$230.00} a month to lessen my monthly payment and make my Loan percentage would also be less. I submitted all paperwork. working with a loan specialist. Never heard anything from Capital one for 2 weeks and then it was a recorded message saying. My monthly payment would be {$290.00} a month. I called 17 times trying to correct this obvious error. No one ever returned my call and I only spoke with some out of the country CS support line. When I finally reached someone today on a return CS call, I was told the pauyoff I quoted was {$160.00} more so thats why the monthly difference. ( I called XXXX ). Then I was told you signed a contract so you will have to live with it. Capital One pulled a bait and switch and nevef freturned any of my calls untill after they paid of XXXX XXXX. There is still a question re : The {$280.00} payment I made 7 days ago. Please Help XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
On XXXX/XXXX/2023 Spring Oaks Capital , LLC contacted a family member without my consent and told them the amount of my debit, who the debt was originally with, and gave an offer to pay off with a link. This is a violation of my privacy. 

The message was as followed This message is from Spring Oaks Capital , LLC. 

Your XXXX XXXXXXXX account originated by XXXX XXXX is now owned by Spring Oaks Capital SPV , LLC. We are willing to accept {$300.00} to resolve your account for less than the full balance. 

We request that you review and take advantage of this offer by 2023XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

See the offer at XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TN

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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX 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 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 the 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 2023-02-27 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: TN

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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX 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 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 the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I went on COVID relief plan, and have been trying to get off the plan for over 1 year. Every time I send them all the paperwork they request and I call for a decision they kept on asking for the same paperwork over and over again. They requested that I don't make payments and then they say the application has expired... Went through this process multiple times.. Now they say I need to send them nearly {$200000.00}. Which of course I don't have. There is way so much more to this story PLEASE 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 2023-02-27 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: OH

Complaint narrative:
MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: OH

Complaint narrative:
MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN

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 2023-02-27 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: FL

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 in regard to late payments being reported on XXXX 2022 by " XXXX '' and XXXX and XX/XX/ 2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.

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 2023-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Equifax, XXXX, and XXXX on XX/XX/2022 in regard to late payments being reported on XX/XX/2022 by " XXXX '' and XXXX, and XX/XX/2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all 3 credit reporting agencies. 
My XXXX XXXX accounts have inaccurate information regarding a pass due status. 
lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.

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 2023-02-27 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: Westlake Services, LLC
State: CA

Complaint narrative:
WestLake Finical sold my debt to another company and still reporting an active debt owed and reporting to my credit currently when they stated they stopped report back in XXXXXXXX XXXX  2022

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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX a check that I wrote to a vendor was cashed by someone other than the intended payee. I found out that the vendor had not received payment and they told me they did not cash the check. I initiated a claim with my bank on XX/XX/XXXX and both the intended recipient and me filled out affidavits regarding the situation. My bank is telling me they will close the case without me getting reimbursed if they don't have a resolution from the bank that cashed the check within 90 days ( I received this letter today, XX/XX/XXXX. At this point 138 days have passed from when I filed the claim. My bank is Chase and I have not been told who the other bank is. The check was for {$2400.00}. I don't see how this can be my problem when the bank is supposed to verify ID. I have followed up with my bank at least 10 times and have gotten no satidfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I signed two cancellations coverage for 2 policies I was sold in buying my car. The dealership signed the cancellations and the Finance Manager stated it would take a couple of statements for me to see the credit on Toyota Financial Services. 

I contacted Toyota Financial Service today XX/XX/2023 and they had received no paperwork from any gap carrier or dealership XXXX XXXX. 

I contacted each gap carrier and was told by XXXX at XXXX XXXX XXXX XXXX that XXXX XXXX from XXXX XXXX in XXXX had called them and told them not to cancel. 

I drove to XXXX XXXX today and met XXXX XXXX who stated the finance manager had put a hold on my cancellation due to a possible claim. XXXX XXXX intentionally blamed the finance manager, I felt XXXX XXXX was not truthful - the Finance Manager did his job but the one who writes the check XXXX XXXX or sends the claim is withholding the information. 
I feel XXXX XXXX acted to defraud me and my right to cancel these policies.

Company response to consumer: Closed with explanation