vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited Cashier check of {$16000.00} deposited into Wells Fargo branch in XXXX on XX/XX/2023 at XXXX XXXX, and was provided with a receipt saying {$400.00} is available immediately, the balance available the next day. However, the next day, XX/XX/2023, when I signed on to my account to buy T-Bill, I received a message saying my cashier check fund is held until XX/XX/2023. Why would cashier 's check ( CASH ) be held like this? I called many different departments from Wells Fargo and I kept getting the run around. The stories kept changing, as well. I am losing interest I could be earning while my money is held up by Wells Fargo. Furthermore, when I asked for my cashier 's check so I can deposit elsewhere if Wells Fargo would not make it available, Wells Fargo refused to give it back to me. In other words, Wells Fargo just took my cash and basically laughed in my face saying there's nothing I can do. This is just unacceptable.

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 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I have attempted to reach AES regarding loan name change. I feel like I'm being forced to submit documents of an updated name changes as if I had legally changed my name in the past. AES continues to request for me to provide my social security, Driver Licenses or etc. I am refusing to do so because that it's an admission that at some point I did go by that name XXXX or XXXX . I have not. I feel as though my rights continue to be violated because they accepted a predatory loan from XXXX XXXX. AES has yet to provide me any documentation where I provided XXXX XXXX with a legal name change. The only documentation I have been given is a promissory note that indicates XXXX . XXXX or XXXX was never my legal name from XXXX XXXX XXXX . As I've stated before it is the legal duty for the lender to ensure that proper documentation is given regarding the correct name. I believed I have been misinformed to obtain pricier repayment terms and misleading me about federal loan forgiveness programs. However, I can not participate in loan forgiveness program because my name does not match. Nor, can I create a online account because my name does not match. The lenders had a legal and ethical obligation to disclose all information about a loan to me and informed me that having a unauthorize last name on my account will prevent me from being able to participate in some forgiveness program and inability to access my account. I find that the lender and AES was reluctant to provide me with a full loan disclosure, consider that I sign with my legal name only birth name. AES then used unscrupulous methods against me with hard credit check and false reporting me to credit bureaus, although I was making on time payments and was never late. Their actions were abusive. If it was not for a worker ( Supervisor XXXX ) stating it was not the US Postal Services that provided AES with the fake address, but XXXX ( skip traces credit system ) Never heard of this credit company until XXXX. This information was revealed on XXXX XXXX disclosing the measure they used against me after numerous calls, I would have believed that I was a victim of identity thief. I even took off work and was ready to make a police report until this action was revealed. What was even more alarming was AES alter my account without my knowledge before they even received returned mailed and did not inform me, they were altering my account without my permission or knowledge. AES did the updating independently because they wanted to do so. After, numerous cascading letters and emails only to update my address back to what it was. No American should experience such aggressive, abusive, tactics and not understand the full score why such retaliatory actions being taking place against them. Now I have to fight to restore my credit after the hard credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax- has locked my credit- I can not get a report, can not get electricity providers or auto insurance. Called Equifax was told that there is an issue but they would not tell me what the issue is. Told I have to mail a photo copy of my DL and SSN to a po box in XXXX, GA- this sounds sketchy and I am not comfortable doing this but they offer no other alternative to correct this issue. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I'm a victim of the 2017 XXXX data breach my information was leaked on to the Dark web please delete the fraudulent accounts that we opened in my name Capital one {$440.00} capital One XXXX {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IL

Complaint narrative:
I'm a victim of the 2017 XXXX data breach my information was leaked on to the Dark web please delete the fraudulent accounts that we opened in my name XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
My daughter was recently involved in a car accident, the result of which was her car a XXXX XXXX XXXX has been declared a total loss. 
At this point, the leasing company, Ally Financial has unilaterally terminated the lease agreement and has refused to pass the surplus funds that they have received from the counterpart 's insurance company ( XXXX ) to me and therefore illegally profit from my financia troubles. In fact they have received every payment on time and I have offered to pay also the residual 11 monthly lease payments in advance, so that Ally would get all the funds to which it was entitled under the term of the lease agreement. At the same time I would have preserved my right to buy the underlying car for the contractually predetermined amount of {$13000.00}. 
Instead Ally has decided to keep also the {$10000.00} surplus, part of the total XXXX settlement of {$27000.00} for themselves, without any other justifications that this is what the clause 39 of the lease agreement is stating, even though this is clearly unfair and I would personally deem illegal. 
It is like a mortgage company foreclosing on a house for lets say aXXXX loan sells the house , gets {$150000.00} and just decide to keep it all, without returning the surplus funds to the debtor/owner. 
As things are right now, Ally Financial is booking an unjustified extra profit of {$10000.00}, while I had to suffer a loss of the same amount after buying a similar car, a used XXXX XXXX XXXX with 38k miles, versus only 16k miles, at the cost of $ XXXXplus fee instead of {$13000.00} I do understand that the car weas not registered in my name, as it happens in every lease agreement, but it still represent the collateral of the lease agreement and it should be treated in the same way as every other collateral given against a loan, i.e. when the loan has been fully satisfied, the collateral or its residual value is returned to the performing borrower. 
I would add the fact that I was the one negotiating the car price on XX/XX/2020 and the one who got a discount of about {$6000.00} on the dealer 's price because of thegood market tim ing and excellent personal credit rating. 
I strongly believe that I have the right to get the overflow amount of the collateral that Ally has egoistically decided to keep for itself by appealing to the clause 39a, which should also be scrutinized as fully complying with the consumer law. 
I make myself available for any questions or further information you may need to investigate the issue, and I thank you in advance for any help or suggestions that you will provide me in resolving the matter.

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 2023-07-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
I sent a certified and notarized letter that was received by Great Lakes on Monday, XX/XX/2023. I am writing my final time to express my concern regarding the unauthorized reporting of my personal information on my consumer report. As a consumer, I am protected under 15 USC 1681a ( 4 ), which grants me the right to privacy. This implies that my nonpublic personal information should remain confidential per 15 USC 1681 ( b ). The unauthorized reporting of my information has violated my rights. I am deeply concerned that my nonpublic personal information has been reported to consumer reporting agencies, especially given the numerous data breaches these agencies have experienced. This is not only an inconvenience but also a violation of 15 USC 6801 ( b ) ( 3 ). Regrettably, I was not provided with these disclosures, nor was I given the opportunity to opt out of having my information reported. I am now exercising my right, as a federally protected consumer, to opt out of having this information reported. I insist on immediate action to rectify this situation. Failure to comply with these federal laws will leave me with no choice but to take legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Truist bank for a payoff on my loan on XXXX The number provided was XXXX and was good until XX/XX/23 I mailed a check for that amount on XX/XX/23 They received my check on XX/XX/23 On XX/XX/23 they sent me an invoice for an additional XXXX I have called 7 times and each time they claim I still owe them XXXX The invoice they sent me shows principal payment of XXXX and interest payment of XXXX for total of XXXX which is amount I paid The last call they told me that the payoff amount they quoted must have been incorrect - even though it jives with the XX/XX/23 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 explanation
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted disputes with Experian and today I reached for an update but the representative that I spoke with was only able to locate one of the multiple documents that I submitted to support my dispute. I submitted my documentation by both postal mail and via the portal of Experian 's website so there should be no reason why all but one page of my documents are conveniently missing. The representative was also unable to confirm with me, where in the investigation process, the dispute is currently at. 

*Inaccurate address *Information is being reported differently across all three agencies *Accounts reporting as open, that should be closed *Balances, Activity Dates, & Payment *Dates are all being reported differently and are also being updated each month to re-age the account

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 2023-07-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
XXXX I XXXX XXXX XXXX SSN # XXXX recently reviewed my credit report and I found unauthorized account on records etc., 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/2021 are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Bought Use Car on XX/XX/XXXX : XXXX XXXX, XXXX XXXX body type : SD Odometer was XXXX. 
The price was {$16000.00} Capital One Auto Finance pre-approved {$1000.00} A down payment was {$1200.00} The amount financed was XXXX The total Cash price was {$18000.00} Loan paid off : XX/XX/XXXX for {$17000.00} The term of the Loan was 72 months. Also, the auto agreement includes Mos Debit Cancellation Agreement by Capital One. bank { lender }, and XXXX XXXX XXXX XXXX [ dealar ], my credit card was ( XXXX ) Because I have high interest for a year and 4th month, I end up owing more than my car was worth [ loan upside down ], and the monthly bill was also increased. And my Vehicle 's value depreciated and XXXX lost 20 % of its value in the first year. I was out of work due to the Covid-19 pandemic and couldn't make monthly payments, so I sold this vehicle at a Lien Sale ( Public Sale ) for XXXX. And on XX/XX/XXXX, the loan was paid off by XXXX. 


I think Capital One Bank didn't give me the right loan rate, which cause me to lose my car while also losing money. For a lengthy loan, the loan period is 72 months, that's equal to 6 years. The longer the car loan, the more interest I pay with upside down on my loan. The car loan destroys my credit whenever I miss or late on payments. One missed or late payment can affect your credit for 7 years. 


As part of the high-pressure tactics Capital One representatives used to sell these add-on products to their consumers, was approval loan with low monthly income. By the time of loan approval, my sources of income were a {$600.00} Veteran Pension ( monthly ) and I was unemployed, but getting unemploy benefits weekly. However, the Lender didn't offer me a secured loan using some form of property as collateral, and the loan was supposed to be a low monthly income after six months of loan tenure, which never happened. Also, the bank encourages me to buy as one of its customers. The Bank encouraged its customers to purchase a car by offering a car financing of US {$1000.00} as pre-approved financing, and also I got this offer too. 


Capital One Auto Finance Inc Street Address XXXX XXXX XXXX XXXX. 
Tx, XXXX XXXX Phone ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, VA, Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: RI

Complaint narrative:
This complaint is in reference to complaint # XXXX filed yesterday XX/XX/2023. 
I apologize for a mistake that I made. I understand that you usually do not allow new material to be submitted to complaints ; that is not my intention. I am hoping that I can replace the wrong document with the right intended letter. 


The attachement below " Convergent Dispute XXXX '' was somehow mixed up with a form letter for disputes that I used to use when I was a XXXX XXXX XXXX. When I realized the error, the only thing I could do is to try to correct the mistake by giving you the correct letter that consist of the same gist of the content in the above numbered complaint submitted yesterday. I understand if this letter will not be included. I hope that the correct documents submitted were able to convey clearly what is feel is a gross violation of consumer protection laws.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XX/XX/2023 someone tried to open a Target XXXX online with my information. They used my maiden name, my old address, they had my social security and my current phone number listed. I had placed a freeze on my credit last summer since someone tried to file an unemployment benefits claim with my maiden name. XXXX provided an incomplete investigation. I filed a police report for that fraud last year. Due to the freeze, the credit card application resulted in an instant denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I made payments of XXXX dollars for four months in a row on our vehicle starting XX/XX/2021. On month 5 I paid the XXXX dollar payment only For it to be rejected and returned by Wells Fargo. When we called to attempt to find out why, they stated they no longer are banking with us and there was nothing we could do aside from either do a will full repossession or sell our car. We were not at fault and have all the payment history to prove it. We never received an electronic disclosure or letter stating why they stopped banking with us and never once received a letter. The bank stated that they could decide to not continue with the car loan at any time during the 7 year loan. They have not repossessed the vehicle and they wont agree to pick up the vehicle but wont accept a payment for the vehicle. I can not trade it in, as I was charged triple the value of the vehicle.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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