vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Now that Wells Fargo Auto has been caught by the federal government agency, that Wells Fargo was cheating many people with fraud I the auto loan department. Maybe someone will try to do something on my situation. When Wells Fargo Auto took o er my bank loan I had with Wachovia Bank, Wachovia Bank was laundering money from XXXXXXXX Wachovia Bank was taking all my payments but Wachovia Bank was not applying my payments to my loan. Wells Fargo Auto took over Wachovia Bank the business. My loan was paid off but Wachovia 's books showed that my loan was not paid. Wells Fargo sued me and took my new truck that I had paid off. I had paid the loan off but Wells Fargo made up some books that would show that I owed about XXXX dollars. The federal government has found out about Wells Fargo has done this to many people. How much proof does anybody need to see Wells Fargo Stole my truck and nobody makes Wells Fargo pay me back!!!!!

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 2023-01-03 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: MA

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 and I am filing this complaint for falsely reporting misleading information. There is no XXXX  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 2023-01-03 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: TX

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 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 2023-01-03 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: TX

Complaint narrative:
Our card was stolen from our nanny, but since the card was on autopay and really only used for recurring payments and nanny household charges, we didn't realize the fraud was occurring for several months. I reported fraudulent charges on XX/XX/22 ( give or take 1-2 days ; as noted on the statement XXXX XX/XX/22 pages XXXX ). The charges were originally investigated by the fraud team and decided that it didn't qualify as fraud and then reversed all of the credits. I sent a dispute in showing proof of the fraud and that the card was stolen, and we received letters back from barclay saying that they had re-reviewed the case and that the charges were determined to be fraudulent and that all charges would be would be credited within 30 days. After 30 days they only reversed about {$1000.00} of the charges. I called several times over the next months trying to get them to reverse the remaining charges ( {$15000.00} ) but I could never get a call back or talk to any supervisors/ managers. I was always promised a call back with in 7-14 business days but only received a call back once on XX/XX/22. He assured me he had reviewed the entire case and that the would take care of everything. He reversed another ~ {$2000.00} but not even close to all of the charges. I faxed another formal request to review the case on XX/XX/22 as well as calling in on XX/XX/22, XX/XX/22 ( spoke with XXXX # XXXX ), XX/XX/22 ( spoke with XXXX # XXXX ) all of which promised call backs from a supervisor which have never happened. My credit score is dropping and I am unable to receive a call back to even find out the status of the case or any explaination. The account is accruing interest and my credit score is dropping and I can't get anyone to call me back at all. I have attached all of the specific details that I submitted in my 3 written formal complaints.

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name XXXX XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MN

Complaint narrative:
I bank with Chime. One day when trying to log into my account I get an error that says there has been unusual activity and they need me take photos of my ID and a selfie to verify my identity. Trying to do this with the app doesn't work and I am met with an error message that says " Yikes, that didn't work. '' I reached out to support via phone and was told to email their support team. The support team repeatedly asks me to try to verify my identity via the app. I keep telling them it's not working. They then send me a link to a dropbox where they would like me upload photos of my ID, a selfie, and a photo of me holding my ID and a piece of paper with my name and today 's date on it. 

I completed all these steps and was told the access to my account has been restored. I then try to log into the app and am met with the same error message that I got originally. I reach back out to customer service and they want me to complete this whole process again. This is a never ending cycle. I have completed this process three times now to no avail. Each email I get from them is from a different representative giving me the exact same information/requests I have been given numerous times. 

I feel like I am being cheated out of the money in my account. I have no access to my money, can't pay my bills, and feel like I am being taken advantage of. Customer service and their support staff are of no help as I can't even maintain a email chain with the same person. I just keep getting passed around to different representatives telling me the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: TX

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name XXXX XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
THIS COMPANY HAS UPPED MY APR TO ( 31.24 % ) when I first received the card it already had a high APR of ( 21-24 % ). Capital One has now raised it to 31 % and I HAVE DONE NOTHING WRONG WITH THIS CARD. This " bank ' needs to be reported for all of its actions that are against bank polices!! and this has to be one of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TX

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 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
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
RE : Bank of America - XXXX XXXX XXXX at XXXX am EST I did an international money transfer from my savings account to my French bank account. Almost immediately I received this saying the transfer was in process : Confirmation # : XXXX Amount : {$5500.00} To : XXXX XXXX Fee : XXXX Rate : XXXX USD = XXXX EUR Send on Date : XX/XX/2022 Service : International However my XXXX  bank only received the funds today at about XXXX pm EST. As a result I could not pay my rent and other bills until I took money out of a ATM machine from my checking account to deposit in the XXXX bank. There was no warning that this transfer would take more than an hour or two to process - in fact it took XXXX full days. I tried every BoA number I could find and no one would help me- they said I had to call the special number which constantly disconnected me. One person gave me the WRONG number for BOA transfers. 
This has been a constant problem with the Bank of America- the only way to get customer service to even talk to you is to call the credit card number and claim it was stolen. And then they usually won't help as " that is another department. '' When I have problems I have been told to come to the bank- I live in XXXX so it is not an option. Once when I did lose my credit card the morons sent me another card with the same number. By the time I figured it out someone had charge over XXXX euros. Then I was told there were several amounts that I had to go directly to the business ( in this case it was XXXX, fr ) to get my money back. So we were out several XXXX XXXX. 
Also they ask for an account number to get you to a human- we have XXXX accounts = by the time we finish typing in the second account number we are ALWAYS disconnected.

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 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the utilization on all my revolving accounts. Under 15 U.S. Code 1681a 2 ii excluded from a consumer report are any transactions between the consumer and company ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; Please send an updated report when this issue is resolved Sincerely XXXX XXXX Please remove unauthorized inquires below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is information on my report that is incorrect such as accounts late payments names and address i have sent out disputes via mail and i have Also sent info via email I hve also sent in sesc and desice letter

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 2023-01-03 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: TX

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.

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX******************* Please remove it from my credit report.

2. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris & Harris keeps calling me from XXXX. At first, they were calling my cell phone. Now theyre calling my office. Theyre trying to collect debt from a lady that ive never heard of. I have no idea how they got my number and why theyre calling me. I told them countless times that ive never heard of the person theyre looking for!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP
State: VA

Complaint narrative:
Capital Management Services , LP has tried to contact XXXX XXXX XXXX XXXX XXXX and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23

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 2023-01-03 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: NC

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 XXXXAcct XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NC

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-Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The payoff keeps changing I only owe XXXX XXXX  with one payment left now my account is lock out also my account is up to date ally Financial is giving me a hard time at end of loan I called several times and get hung up on I have XXXX XXXX of the loan paid off Im trying to end the loan which is a very difficult process with ally I dont deserve this I had this loan from XXXX with XXXX XXXX interest rate can u please 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