vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: MO

Complaint narrative:
After a nightmare dealing with this bank from the very first month, I paid off my loan 16 months early Ally Bank received the final payment on XX/XX/2022 by Priority Mail Receipt. On XX/XX/2022 they sent me 'Congratulations ' on paying off the loan and the confirmation of Lien Release . I hadn't received the Title of the auto as yet, so wrote them a letter making the request on XX/XX/1022 ... .this was after requests on Social Media , without response. It is now SEVEN MONTHS after satisfying my loan early ... .AND STILL NO TITLE or response to my letter. This appears to be common practice with this company, as I have seen many similar problems both on XXXX  and Social Media sites.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
1. A series of unauthorized transfers totalling XXXX were realized without my knowledge from my checking account at Wells Fargo, most of them between the XXXX XXXX and XXXX XX/XX/2022. The complaint numbers are Claim # XXXX and Claim # XXXX. 
2. I reported these transactions to WF around XX/XX/XXXX by phone. 
3. WF claims that the transactions were done " by you or someone who had your authoritiy '' which is completely false and baseless. See Attachment 1. 
4. I replied to WF with a clear identification of all fraudulent transactions ( with print out ). I also went to the police to file a complaint. See Attachment 2 for the letter, which very clearly explained what happened, Attachment 3 for the USPS receipt that WF got the letter. Attachment 4 for the police complaint and Att. 5 for the list of transactions. 
5. WF did not answer this letter.

6. I called WF on XXXX XXXX, and without any additional explanation, WF refused to reimburse the amounts, despite the provisions of the Fair Credit Billing Act and the Electronic Fund Transfer Act, which WF clearly violates. 
7. I am a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the amount stolen represent the entire savings of my first year of work. I live with my parents in XXXXXXXX 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 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo XXXX was used to transfer money purportedly to XXXX XXXX. 
I was informed that my electric service would be cut off if I did not pay on the day XX/XX/2022. 
Two payments ( {$360.00} and {$370.00} ) were made in what was a scam and were thus fraudulent and I was forced to do this under threat. 
I submitted this to Wells Fargo and they refused to credit these monies back to my checking account even though they were fraudulent and made under threat.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Financial Freedom Group, LLC
State: AZ

Complaint narrative:
Debt blue has been taking {$180.00} a month since XX/XX/2019 to pay off my debts. They take some fees for legal help but when I was sued for a debt last year they didn't provide legal help to me. I complained and never heard from them about this issue. I paid out of my own pocket to file the lawsuit in court, took off work to go there, and they never reimbursed me. I never was contacted by a legal person til the day it was due to be filed and I already had filed it earlier that day. They drug out the last debt if mine I called repeatedly to settle and they had zero communication with me about needing my signature notorized and continue to draft {$180.00} the whole time. They settled it on phone last week and told me I wouldn't be getting more drafts monthly from my account and that I would even be getting money back I paid into this program and apparently that is not true!!! Now because no one made a " note '' of telling me that they are acting as if I am lying. Had I known I was going to be paying fees for services they weren't providing I would have fought paying them and never ever gone with this company. I am now XXXX, have no income and they are telling me I owe them {$460.00} for the last settlement for a " performance fee ''. I'm the one who requested they settle my last debt after having enough money to cover it in my account with them and pushed it now they are continuing to charge me for their " performance ''. This company has well overcharged me for the services they did not provide and told me today they saved me 66 % on my debt but will NOT answer to any of the issues I've had with them with the legal services they didn't provide that I have paid for monthly! And the dragging debts out when I had enough money to cover them while they just enriched their own pockets sitting on my money! This seems super unethical!!! Super!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for the Capital One Savor card Application ID : XXXX after my friend got approved for a {$12000.00} limit. I have both a higher credit score and higher income than my friend. 

My Application with Capital One is pending because they are asking for verification of my income and have given me until XX/XX/XXXX to provide it. 

I sent my proof of income via USPS - XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased an above-ground swimming pool liner from the vendor XXXX for {$790.00} using my Citi issued credit card. 
I received the liner and installed it following the manufacturers instructions. Shortly after the installation the liner was damaged and while investigating the damage, we discovered that the product sent to us was not what was advertised. 

Swimming pool liners are typically sold by thickness, a thicker liner is more durable and more expensive. I purchased a liner that was advertised by XXXX as XXXX thickness because it would have been more durable than the thinner XXXX XXXX  or thinner liners. While investigating the damage, we learned that the manufacturer of this product does not advertise or market their liners as XXXX and that the liner sold to us as XXXX was not XXXX. This meant that the liner was weaker than what i had intended to purchase. 

On XX/XX/XXXX i reached out to the vendor XXXX requesting a replacement of the liner with one that had the thickness i ordered. They assigned me ticket number XXXX and routed me directly to the manufacturer. 

On XX/XX/XXXX, the manufacturer confirmed they would not be able to issue warranty replacement because the product was not defective, but confirmed in writing that they do not sell or market their liners as XXXX. 

On XX/XX/XXXX, i filed my dispute with Citi, requesting chargeback because the item was not as advertised and there was no resolution from the vendor or manufacturer On XX/XX/XXXX, Citi closed my dispute based on reply from the vendor, which incorrectly stated that i had never contacted them about the issue. As mentioned above i had a ticket number from the vendor for this issue. 

On XX/XX/XXXX, I asked Citi to appeal my dispute by providing the requested information that Citi had noted in their communication on XX/XX/XXXX. 

On XX/XX/XXXX, Citi closed my dispute with the comment that i had not provided the requested information, even though i had. The communication said that there would be no further assistance from Citi on this matter. 

I don't think vendors should get away with providing Citi with false information about disputes and then have Citi immediately side with them without any due diligence, nor should vendors be able to sell products with false specifications that the vendor is fully aware of. Thanks for any help.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a cashier 's check for {$130000.00} ( court-ordered proceeds from my late mother 's FL probate case ) at a Bank of America branch in XXXX XXXX XXXX NM on XX/XX/2022. Teller told me the funds would be available on XX/XX/2022. I then reviewed my online account that evening at it confirmed the funds would be available on XX/XX/2022. I then initiated an ACH transfer of those funds on the XXXX XXXXXXXX XXXX website ( external transfers ) where I had an existing savings account earning 2.20 % APR interest.- in reliance on Bank of America 's confirmation that the funds would be available on XX/XX/2022. I am a Bank of America XXXX XXXX client and have been a customer for 30+ years. In the middle of the night at roughly XXXX XXXX Bank of America emailed me that it had put an 8-day hold on the check without explanation. 

On XX/XX/2022 I called the Bank of America phone number for XXXX XXXX  clients. " XXXX XXXX told me that I needed to go to the branch and that they would be able to arrange for the hold to be lifted. I drove to the branch where I deposited the cashier 's check. Manager XXXX XXXX and Business Owner Specialist XXXX XXXX told me that XXXX was wrong and that there was nothing they could do about the 8-day hold because it was " system-driven. '' XXXX, they both said, didn't know what she was talking about. XXXX said he called Market Leader XXXX XXXX at XXXX and she confirmed that Bank of America could under no circumstances lift the hold due to unspecified regulations. 

I then asked to close my Bank of America checking account and XXXX and XXXX refused saying they could not close the account until the {$130000.00} check cleared - 8 days later. I asked that the funds be deposited into another existing Bank of America account instead- and that request was summarily denied too. XXXX and XXXX agreed that I should never have been told by the teller and my online account should never have said that the funds would be available the next business day - but acknowledged that is exactly what happened.. I told them I never would have deposited the funds at Bank of America had I been informed up front there would be an 8-day hold. I would have selected another financial institution with whom I have a longstanding relationship include XXXX XXXX and XXXX. I relied on Bank of America 's representations to my detriment I fortunately managed to cancel the ACH transfer and will reschedule for 8 days later. In the meantime, the funds are in the cloud with no interest being generated. Deplorable service by a monster mega 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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Lease
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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was provided a lease from XXXX XXXX for my XXXX XXXX. My car lease was paid-off early, over 2- years ago. I used typical auto financing to pay-off XXXX XXXX I now know that there were three companies involved with my lease transaction : : XXXX XXXX, XXXX XXXX XXXX Wells Fargo. Letters are attached from XXXX XXXX to verify lease the pay-off. Unfortunately, Wells Fargo was involved with the lease transaction and remains on title. now the lease was paid-off close to three years ago. being paid-off. I never had any direct contact with Wells Fargo. XXXX XXXX accepted all my lease payments and XXXX XXXX provided me with the pay-off .The state of Illinois informed me that Wells Fargo was associated with the lease and is still listed as a lien holder on title. The lease was paid-off with funds obtained from XXXX XXXX XXXX and I refinanced my car loan with XXXX XXXX who now has my loan. Communication with XXXX, XXXX XXXX XXXX XXXX XXXX of Illinois has confirmed that my release was never properly processed by the three related companies XXXX XXXX, XXXX XXXX XXXX Wells Fargo. A letter provided from XXXX XXXX does not appear to be correct.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Account ending in XXXX On XXXX XXXXXXXX XXXX  this account was closed for no real apparent reason. The closure of this account will negatively impact my credit rating and will hurt me. I have had this account for years with XXXX late payments. 

I called Wells Fargo on XXXX XXXX and spoke with XXXX who was no help, who then transferred me to XXXX who wasn't any help either. 

Today, XX/XX/XXXXXXXX XXXX  I called and spoke with XXXX who was less help than when I spoke with XXXXXXXX XXXX XXXX combine.

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 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX XXXX  ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in XXXX. I have not been at XXXX XXXX XXXX, XXXX, XXXX  XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in XXXX  causing to move out of state and I didn't even know why. My credit score went down XXXX points and it impacted my result of getting a house. I feel XXXX XXXX and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXXXXXX XXXX XXXX  sold my information to an unauthorized Collection Agency " XXXX XXXX XXXX '. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. 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 non-monetary relief
Consumer complaint received 2022-09-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX XXXX  ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in XXXX. I have not been at XXXX XXXX XXXX, XXXX, XXXX  XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in Georgia causing to move out of state and I didn't even know why. My credit score went down XXXX points and it impacted my result of getting a house. I feel XXXX XXXX  and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXX XXXX XXXX sold my information to an unauthorized Collection Agency " XXXX XXXX XXXX '. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX and Equifax reporting the account status being closed but XXXX XXXX is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Experian and XXXX reporting the account status being closed but XXXX XXXX is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and Experian is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't XXXX XXXX or Experian reporting any payment history? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: TX

Complaint narrative:
When I signed up for credit karma it stated I could get approved for credit cards but all along I didnt get approved and it went on my report

Company response to consumer: Closed with explanation