vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I had a used auto loan through Wells Fargo starting in XXXX. I believe there were some fees that were taken out that were not supposed to be as well as issues getting the lien release from them. When I paid off the loan, the remaining balance, I believe had some hidden fees added to it that I was not made aware of. Also I believe the interest rate was misappropriated toward the end of the 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 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an Officer ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a XXXX XXXX ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpeona being delivered to my office and signed, I insisted that I had never signed a subpeona. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a Surety Bond that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through Zelle from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. 

I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a Zelle payment but gave me the number to submit a claim ticket to Zelle. I did submit a claim but they came back and said nothing could be done. 

I'm hoping I can get help in recouping the money that was transfered due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.

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

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC
State: IL

Complaint narrative:
Waypoint purchased an account from XXXX. I filed XXXX XXXX  bankruptcy XX/XX/XXXX. The account went to collections in XX/XX/XXXX. The account was added to my credit report in XXXX. I contacted my attorney XXXX XXXX regarding the account. XXXX contacted waypoint  on XX/XX/XXXX to which they stated they never received notice of bankruptcy and were provided with that. The account has been disputed and waypoint will not fix this account after my XXXX dropped XXXX points because of their inaccurate reporting.

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

Complaint narrative:
Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER TransUnion was sent with supporting documents Registered Letter see attached TransUnion has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified XXXX AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add XXXX and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls

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 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX

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

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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

Complaint narrative:
I have had 2 inquiries that I have no clue why were run. I have not applied with capital one or kohls. Please see screenshot for inquiry details run on XX/XX/2023 and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
The Affirm company  has continued to call me about missed payments but wont do anything to unlock my account, after have repeatedly called them, verified my identity, and they told me they would have someone contact me with it he next 10 days or so and its been almost a year since then. Now it is effecting my credit report. I look on my credit account and it says I have no missed payment Or due payments. I think I am being scammed by affirm.

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

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I attempted to deposit some cash at a Bank of America, ATM, and the machine told me that my card could not be used. So I called the bank, and they informed me that my account had been closed due to a business decision. They refused to give me any other reason, and after I spoke with a supervisor, he informed me that in their terms and conditions they were allowed to close any account for any reason. I asked him did I break the terms and conditions or something and he said that I had not however, they were still closing my account, and will not be able to open me a new account ever again. I am completely confused, because I did not do anything wrong, he even told me that I didnt do anything wrong, yet they are just closing my account, for no provided reason. I am starting to feel like I am being discriminated against, because they have just closed my account without any reason.

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I believe my interest rate is way too high for my truck loan this has begun in XXXX XXXX of 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 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have called Mr Cooper with XXXX at least four times because an {$1100.00} payment I made on XX/XX/17 keeps being placed on principle instead of the monthly payment. So far, the {$1100.00} I paid XXXX is still in unapplied funds. Agents keep changing the principle to Unapplied Funds but it keeps reverting back to principle. This is highly distressing because of the prospective consequences of delinquent payments. I should not have to monitor my transactions daily when I am doing my part. I have considered legal action because I have never had this issue with another lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding company only will send a copy of a credit card statement as validation of the debt. I have asked for them to send me a copy of a signed agreement with Midland Funding and myself. Also, they keep changing the amount owed each time I dispute the debt. On XX/XX/XXXX they reported to the credit bureau for account # XXXX amount {$3300.00} after I disputed it. On XX/XX/XXXX they changed the amount to {$3300.00}, on XX/XX/XXXX they changed the amount to {$3300.00}. on account # XXXX they reported on XX/XX/XXXX amount owed {$750.00}, on XX/XX/XXXX amount owed {$750.00}, on XX/XX/XXXX amount owed {$750.00}. The also have removed the previous information to make it appear that this is a current debt. They also did the same on account # XXXX.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
someone put a false check and was deposited into my account and when wells fargo reached out to me and i explained what happened they said they was gon na close my account and i can not re open the account making me find another 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 explanation
Consumer complaint received 2023-02-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Three fraudulent charges were added to our credit card statements starting on XXXX for a total of = {$610.00} and added interest of the disputed amount of {$18.00}. All attempts to resolve the issue have failed as of the XXXX statement.

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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Bank advertises that it offers XXXX payment services but does not instantly transfer the funds. On XX/XX/31, I needed to move funds from my Ally savings account to my own account at another bank. To avoid the delay of a regular bank-to-bank transfer, I made a XXXX payment to myself XXXX which according to XXXX terms and Ally 's website would appear instantaneously in my other account. XXXX did not seem to be working on Ally 's online banking site, so I had to call in to Ally 's customer service to effectuate the XXXX payment. The customer service representative recognized that I was making the payment to myself. Ally withdrew the funds instantly from my savings account, but delayed sending the funds for two days. Hence my supposed XXXX payment was no faster than a regular transfer. Ally benefited from instantly removing the funds from my savings account, because Ally could then earn interest on the funds and avoid paying ME interest on the funds. I lost interest on the funds altogether, in both accounts. Ally is deceiving consumers by offering XXXX but unfairly failing to carry out payments properly.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I can not dispute anything on Experian online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

Experian and XXXX both did not update my legal name in their system. It should have me listed as XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2023-02-02 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: CA

Complaint narrative:
Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER XXXX was sent with supporting documents Registered Letter see attached XXXX has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified XXXX AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add XXXX and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls

Company response to consumer: Closed with explanation