vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX  XXXX and spent time in the hospital and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from XXXX accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. XXXX sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXX 's. Since XXXX XXXX has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone stole my bank card and used {$7200.00}, They tried using ( {$9000.00} ) more money but I was able to stop any more transactions. I already made calls to the bank, but they will not give me the credits. I never gave anyone my card and never gave a pin number to anyone. 

claim 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 2023-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
On my credit report, I have 3 accounts in collections. I am currently on Medicaid and have been since the beginning of last year. Medicaid said the accounts should already be paid but of course they were sent to collections and now my credit report has since spiraled downhill for a bill that should have been paid. I called my doctors clinic and reported that Ive been on Medicaid and it was already in the system. I then took the steps to contact Lockhart , Morris & Mont but they will not call me back or take my Medicaid to pay it off. I need help because I have Medicaid and everything should be handled. My credit report is suffering because of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I went into the local branch to inform representatives that my account was fraudulently accessed. I also requested to close the account or even place a restriction on my account so the suspect can not gain further access to my accounts. I was denied such requests. I was then refused service to deposit my payroll. During the time my balance was {$2.00} cents. During my time away with no access to the local branch nor any means of communication with Capital One I have not received any mail correspondence from Capital One. When I became well enough to visit the local branch I recently learned Capital One charged off my account then took the money from a deposit recently posted. The teller acknowledge the fact that I came into the branch and notified of my accounts being compromised. My checking account was still in open status at the time although my payroll was rejected by another representative. Also my account should have never been charged off and closed. She also produced to me my available balance. She took notice that yesterday another female and her partner of a different race came in and spoke of the same problem with the only difference being the young lady balance was XXXXXXXX XXXX shorter than my balance. The young lady literally requested her funds and the teller next to her cashed the young lady and her partner out releasing all of her funds. I was sent to the branch on several occasions at the direction of the BCR claims team to retrieve my funds with a claim number. A branch manager tried to get me access to my funds as they are very needed. He had me deposit XXXX XXXX into my savings account to make my savings account active to transfer funds. He stated my account has a lot of notes and the fast way he could possibly get my funds was to transfer my funds or give me a cashier 's check. I did not get the cashier 's check because the back office refused to release my funds without admitting fraudulently closing my account. I have never been yelled at, discriminated against and treated worse than I had ever imagined in front of a full branch of customers, employees and my XXXX. I have a very stressed out XXXX. Capital One reprensation showed no remorse as they charged off my account very inappropriately. Now as we are homeless at the hands of Capital One as they refused to release my funds. I am currently leaving the branch for the 4th time where as representative are upset that my funds are clearly there but can't be released because Capital One without notification to me charged off my account then fraudulently took the charge off amount back and locked my account thus wanting to open a case to close and already charged off closed account. I have photo proof of Capital One fraudulently trying to fix what they fraudulently did to my children and I funds and all contact information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need to update my personal address and remove the other addresses from my report.

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 2023-04-01 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: AZ

Complaint narrative:
Hello, I am very concerned that an account I dont recognize is reporting in my consumer report. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Please delete immediately I am not liable for the account XXXX XXXX opened XX/XX/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 explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I work for an airline and have a checking with NFCU that I use only for international traveling to avoid fraudulent transactions, since my route is XXXX and that destination has many problems associated with fraud and identity theft. 
On XX/XX/2023 I requested an XXXX ride via pp, but canceled three requests, due to the fact that drivers did not show up on a timely manner. 
During that time I saw the three transactions showing as pending transactions on my account and thought it would drop from my account, but on XX/XX/2023 the three transactions related to the canceled rides did posted my account and I contacted NFCU on XX/XX/2023 to request disputes to be placed, since it was international charges and I could not contact the merchant ( XXXX ). 
I also submitted a screenshot of XXXX canceld rides to NFCU to assist on their investigation. 

After calling NFCU, I received an immediate provisional credit in the amount of {$4.00}, but the other two transactions did not get processed, so I have contacted NFCU several times to verify that the other two transactions were processed. About a week ago, I was told by one of the NFCU representatives that provisional credits would be posted to my account no later then XX/XX/2023. 
But as of today, the credits are still not showing on my account. 
Today I contacted NFCU again and spoke to XXXX, a supervisor to NFCU and he told me that my disputes have not eve been assigned to anyone yet, and he had no prevision on when it will be assigned. I asked if he could send a request to expedite the process and he said that is not possible. 
My funds are still being held at NFCU and my disputes are not being processed for a final resolution and refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the 3 credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my XXXX. Please fix the problem. 

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 2023-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On or around XX/XX/XXXX I purchased a vehicle through westlake financial services. According to usc 1605k determination of finance charge include sum of all charges. This company violated the FDCPA and truth in lending act and I will like this obligation to be paid in full due to the fraud of this contract. The right to rescind was not included in the contract which by law states every dealership must follow and operate through truth in lending laws which they did not

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 2023-04-01 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: EQUIFAX, INC.
State: IL

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. XXXXL XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Automobile Dealers ) 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 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been in touch on several occasions with Barclay / Advantage Aviator credit card customer service by phone. I attempted also to chat with someone but there was no reply. I am now sending in writing the same complaint : There is an error in a balance transfer from my XXXX account. You will see two balance transfers : one for {$6500.00} and another for {$5800.00}, both are showing as XX/XX/2023. There should have been only ONE balance transfer, not two. The first transfer took my other credit card to a zero balance. The second took it to a negative {$5800.00}. This occurred because when I created an online account, the balance transfer was NOT showing, so I entered it again. 

When I spoke with on of many Barclay representatives over two months, I learned the issue apparently was handed over to another Barclay representative with an Incident number : XXXX. I have had NO contact with this person, only the representatives at the customer service number, who apparently are not able to do anything to rectify the situation. One of the representatives told me the correction would take place within one to two billing cycles. That has not happened as we approach the third billing cycle. 

Because there has been no action in more than two months, I am reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and to XXXX XXXX, so that they have information on how poorly their partner Barclay treats customers. 

So that you understand, I am paying interest on a false balance and my credit has been negatively affected. Barclay had the audacity to email me this week stating thwt my credit score had changed. It is because of Barclays error. I am getting NO COOPERATION whatsoever from Barclay.

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 2023-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
The card in question is the XXXX XXXX XXXX by OneMain Financial XXXX I applied for the card and was approved on XX/XX/23. I received the card on XX/XX/23. At the time I received the card it came to my attention that there was no web site available to monitor the card on my PC. Everything must be done via an app. I am a senior and not all that tech savvy and I have no apps on my cell, I pay all of my bills via a paper statement. I spent a week trying to get their website to work and was repeatedly told their " website was not available at this time '' and they do no issue paper statements. Via a phone call on XXXX, I requested they close my account and SEND ME NOTIFICATION that my account was closed. I was told I would receive a letter verifying the account was closed. XXXX week later I called the number on the back of the card, which I had cut in half and via the phone I was told the account was open and what was available to spend. One week after that, I made another phone call and received the exact same information. On XXXX, I spoke with a representative at that number and was told that system will tell me the account is open, but my account is closed. Huh????? How can it show it is open with an available balance but be closed?? I again asked for a written letter stating the account is closed via my request and here we are in XXXX and still no letter. I am getting no where with this company and I feel they keep giving me the run around ... .They could have typed and sent me a closed confirmation letter faster than I typed this to you. Can you help please get them so send me a written, paper letter verifying the account is actually closed? Thank you so much for your time. On a side note, I kind of feel it's kind of age discriminatory as many people in my age bracket and older don't use an app, don't even know how to use an app for them to issue a credit card without providing a website to use and monitor and for them not to mail out paper statements. Thank you again for your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: AR

Complaint narrative:
I got solar panels from XXXX. XXXX went out of business and left my priject incomplete. Mosaic dispersed funds to XXXX XXXX XXXX XXXX before the project was complete and before insuring the panels were functional. The solar panels were and are not operating or operational. They are not wired correctly. I can not get the solar panels to PTO ( permission to operate ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
Used the moneygram app to send money to a person with a valid ID to pick it up like the app stated. When person went to pick it up they were told they could not pick it up because they were not XXXX. Moneygram did not disclose this on the app before the transfer was made. When I asked for a refund they refunded everything except the {$13.00} fee they charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
" Delinquent Payment You missed XXXX XXXX XXXX XXXX payments since XX/XX/2022 '' Incorrect. 
There was a period where I missed payments, approx. 14-15 months ( Transunion took points the entire time ), but started paying my acct again and have done so for approx. the past 9 months and haven't missed any payments since ( I have proof ). 
I'd also greatly appreciate professionalism from whomever deals with this, you do not own transunion, you only work for them... .so let 's not take my complaint " personal ''!

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 2023-04-01 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
A {$200.00} fraudulent charge was placed on my Barclays Mastercard account @ a XXXX XXXX on XX/XX/2023 in a city and store I've never been to. 

I was notified by text message " Free Fraud Alert '' that a {$200.00} fraudulent charge was placed on my account. I immediately notified Barclays to confirm the charge was fraudulent. 

On XX/XX/2023 I received a letter from Barclays stating that they reviewed the charge and changed their minds and put the fraudulent charge back on my account. 

I called Barclays back and disputed the charge to no avail. I sent several fax documents to Barclays with proof of Barclays original fraud notification text that they sent me and the police report I filed. They have ignored my faxed documents and will not give me an email or phone number to dispute the charge.

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 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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