vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
For the past several years, my Social Security monthly benefit payments have been transferred into my checking account at Wells Fargo Bank on the XXXX  Wednesday of each month. This was done per Social Security Policy. As of today, the payment schedule remains their policy with respect to my monthly payments. 
Recently, under a new service called " Early Pay Day '' Wells Fargo notified me, in writing, that my Social Security deposit would be available two days earlier than the usual XXXX Wednesday of the month. 
I have banking and financial analysis experience and am a CPA ( Inactive license ). I am concerned that this " Early Pay Day '' is nothing other than a short term loan from Wells Fargo for which they collect interest. 
Alternately, I am concerned that, for reasons for their own, Wells Fargo is artificially inflating my deposits on had for the sake of their financial statement presentations. With over 85 million customers this could be a huge misleading effort. Based on the news of the past few years, this would not be the first time Wells Fargo has pulled such a stunt. 
If Social Security has not changed their cash availability date, how is Wells Fargo able to make the payment available? As of this morning, my monthly payment shows on my Wells Fargo web site account as " Pending Deposit. '' Yet the Wells Fargo representative I spoke with assured me the cash was available when it appeared yesterday, two days early. 
Based on their past history of fraudulent activity, I am concerned that Wells Fargo may be trying to perpetuate another scam. Please advise.

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 2022-11-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered XX/XX/XXXX. Credit card balance of XXXX. Accepted and returned bill to sender as Mutual offset credit exemption settling & satisfying the account NOT CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and a creditor, 15 USC 1602 ( f ), I issued my credit card online via OneMain Financial Group, LLC, on XXXX, XXXXXXXX XXXX, a consumer credit transaction was completed and OneMain Financial Group, LLC denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FC HoldCo LLC
State: IL

Complaint narrative:
I have disputed this account with Flagship three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and XXXX and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.

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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
My previous loan servicer, XXXX, had a connection to XXXX so I could manage the mortgage with my personal finance software. It was purchased by rushmore LM and they refuse to " connect a mortgage with a third party '' I had no say in the transference of my loan. It's unacceptable to me that the same level of transparency can not be maintained when I didn't initiate or want this transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I ask Portfolio Recovery to do a verification on this account they are reporting on consumer report, they stated that they did and they stated that everything is accurate, I did a thorough res myself and found improper inaccuracies on my report. 



Accordance with the Fair Credit Reporting Act Portfolio Recovery Account : XXXX, has violated my rights. last active dates, not accurate. against the status limitation, wrong address, Harassment and see attachments also in violation 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused a sad XXXX  upon me. I found unverifiable, inaccurate, and questionable items that Experian and XXXX did not update. 

In accordance with FCRA, everything has to be 100 % accurate on my credit report under 15 u.S. Code 1681e ( b ) and 15 U.S. Code 1681. These accounts are in violation if not reporting 100 %  accurately. 

Experian and XXXX stated that these accounts were properly investigated and came back as verified. However, how is this true why is the inaccuracy still showing on my credit report with Experian and XXXX. 

As a consumer, I request your assistance getting my credit report 100 % accurate. 

Thank you.

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 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA OWES ME {$430.00}, since XXXX XXXX. Don't understand why BOA would accept an incoming credit on a closed inactive account from XXXX INSTEAD OF REJECTING IT. I have reached out to the bank several times having to keep explaining my story over & over and no resolve or check. which I've told them several times and updated my address with them since. I'm tired of getting the run around about my money & can't even hardly afford gas & buy groceries. This freaking bank don't care about people. 

The sent a check back on XX/XX/2022 to the wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-11-22 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:
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 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 an 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 2022-11-22 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: GA

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 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 an 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 2022-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Made a payment to Capital One on behalf of Walmart Credit card on XX/XX/XXXX and they cleared the payment from my account and credit the payment. However they have it on hold for XXXX days. The supervisor states its no reason at all that it should be on hold and not sure why and refuse to release the hold so I could use my card. If I was I formed my payment would be placed on hold I would never had made a payment greater then what was due. When I asked how come she can not override she state cause of policy. I asked for the policy and of course she states she can not give it to me. I will fill a lawsuit for discrimination. I do not get help to buy food or anything which is what I use this card for and now I'm told the money will not be available till the XXXX when everything is closed... Great!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
Hi, I have not been able to log into my Mohela account. I tried to register my account and it says that someone has already has an account with that information. Then when I try to login with that same information it says that " the information you provided does not match our records. Please try again ''. The link about having issues with logging in is not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
BOA Business card charged for a XXXX transaction XX/XX/22, processed as cash transaction creating a fee and interest charges as shown on XX/XX/22 statement. Balance paid in full by due dateXXXX but interest charged on cash transaction carried into next month on balance. Charged again in following month XX/XX/22 on unpaid interest as it accrues interest daily. 

Creates a virtual loop of charges for unpaid charges even though you are paying on time. 

Only way to end was to direct funds transfer to pay interest charges XX/XX/22. Rate on cash was a whopping 22 %. 

Its a corrupt scheme to bilk consumers.

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 2022-11-22 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: FL

Complaint narrative:
Someone tried to use my social and name to apply for multiple credit cards. 
My credit report for XXXX XXXX XXXX XXXX inquiries from XXXX XXXX and XXXX, XXXX shows XXXX : XXXX from XXXX  XXXX and XXXX from XXXX. 
None of which were 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 non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This company has repeatedly sent me via mail debt collection that does not belong to me. It has other people 's names on the document with the same last name as me. I do not know these people, I am not related to these people and I have not had any medical services. I have already ask them to stop this false information, and to stop contacting me. The continue to harass me via mail. If someone could contact them and please let them know this is not me and to stop harassing me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This account was on my credit, which the original amount reported was incorrect. I disputed with Nordstrom and XXXX later. I will not pay incorrect amounts. So I let it sit the required time to automatically be removed. It's now past exact XXXX ( XXXX ) and should come off my report and hasn't. Cant get to anyone at either company to request removal. Please have it removed from any report based on XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I currently have an active case being reported on my background check for which is not indicative of all the actual facts pertaining to the case. This case has now caused a potential employer XXXX XXXX XXXX ) to issue a pre-adverse action letter on XX/XX/2022 which I believe is unjust considering the all the pertinent facts have not been included in the report. Pending an approaching trial date on XX/XX/2022 the case will be fully dismissed and subsequently expunged from my record. I have attached a sworn statement from my attorney whom is representing me in the case that will confirm this. Furthermore, there was no fault found in the case and no admission of guilt.

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 2022-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: GA

Complaint narrative:
Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to a CarMax Auto FinanceXXXX  XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed and CarMax denied credit. The denial by CarMax Auto FinanceXXXX XXXX XXXX XXXX my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX and XXXX, called relatives, called me. Threatened law suit, lein on real estate and personal property not mine. Garnishment of wages and personal bank accounts.

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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received an email from Experian on XX/XX/2022 @ XXXX central time, It stated unable to process funding from debit card. I phoned company on same day and spoken with XXXX, If this is really customer service agent name. I have had many flags from my XXXX XXXX XXXX someone has tried using my information and it somehow show up on my credit report and, I haven't applied for XXXX XXXX  nor loans. I had no issues with other consumer agencies but for some reason, Experian claims, I upgraded my account in which, I haven't and, I have requested account frozen since XX/XX/2022, but you see many inquiries have been requested and stating, I have given permission. I have a code as well as PIN to get into my account and this individual by the name of XXXX whom, I was on phone stated, I needed to pay {$24.00} to my account or {$4.00} a month. I feel this is discrimination when calling asking for address Experian states that information can not be given out, I know they're XXXX in XXXX, GA as well as XXXX  address in XXXX as well as the XXXX, Texas address. I feel, if they can not do their job then something or some other corporations should step in this is why people credit is faulty now. I will step up higher, if this issue can not be correct. This card is not linked to me. I have not credit with these numbers

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 2022-11-22 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: SC

Complaint narrative:
I have tried to reach out to Ally Bank, I reached out to someone from Ally Bank with the name of XXXX, no last name was given title Executive Customer Relations, and I have not received the satisfaction that I deserve. Now I am turning this Attention to XXXX XXXX XXXX of Ally Financial Concerning the purchase at XXXX XXXX on XX/XX/2022. I am bringing to your attention about a concern which is Urgent and time Sensitive. It's the matter of account XXXX. And the contract which was given to me to sign which is unlawful, and a violation of my human rights as a Consumer. When I really sat down and looked over this contract, I notice so many illegalities. First of all, I was never given the opportunity to go over this contract also the customer representative never went over this contract with me, and they violated my unknowing knowledge. I asked them can I take the contract home I was told no, I also asked If I decided not to want the car can I bring it back the answer again was no, being eager for transportation I signed the contract, But I kept looking over the contract and i notice so many illegalities. There is no such of a matter that once you signed a contract you are bind to it especially if the dealership did not explicitly explain the calculation of finance charges as well as other unknowing charges. Truth and lending u.s code 1601. 
Now Because I refuse for ally to further take advantage of me with this illegal contract I am being threaten with repossession of my property, this is not about wanting something for nothing, XXXX XXXX XXXX you and I know that the moment I step into that car dealership with my signature and social security # which is also against the law, that car was paid for also its the matter of the promissory note I sent to you on XX/XX/2022 which you didn't accept but yet never sent it back. Another payment. I am asking you to deal with this situation Immediately and to stop action on repossessing my property.

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 2022-11-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed this account with XXXX  three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and Experian and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.

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