vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
How I have been trying get this resolved for 5 years I recently sent in a ftc report to captial one they have work on timely matter to help me and delete the tradeline that Im not responsible for. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: AL

Complaint narrative:
I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called XXXX but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called Transunion Credit Agency and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on 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 explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a auto loan with wells fargo. During the process the XXXX XXXX XXXX XXXX said they would give me {$7000.00} for my trade-in. During the process, I stated I was on fixed income XXXX XXXX  XXXX and had to stay with 500 range for payments. The wells fargo agent got on the phone to approve the loan with my assumption the loan payments would be within $ XXXX amount I wrote on paper with sales person. That paper was taken away from me. The finance person talked about all these warranties with no mention of the payments. The finance person did show the monthly payments and I ask to have warranties remove. Warranties added over over {$200.00} per month to loan. I have contacted wells fargo several times to have warranties removed and principle adjusted their executive office has lead me on several times saying they would take care of and never did. Later the executive office would say I am responsible for having warranties removed and not wells fargo even after stating several times they would have warranties removed. Wells fargo has continue to punish me by putting the late payments on my credit report. When ask why can't they adjust the payments wells fargo would state it would take XXXX XXXX to agree to new contract. Asked why can't wells fargo move payment to the end which would help the refuse to do so the even tho they offer to move a payment if you meet their bias over the phone approval where they tell no. does not make a difference what you say your reasons are... I have submitted 4 complaints to wellsfaro on this issue... I have had 2 executive customer service agent say they will have warranties removed all just were buying time so I would not file a complaint CFPB. I am tired of playing the games with wells fargo. They figure if they keep playing this game maybe they can get more money by repossessing the car. Get more on top of the XXXX for trade-in and XXXX for warranties. This bank is corrupt. Does nothing to help customers but put continue to put them in bad credit standing.

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 2022-05-23 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: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Mediation Recovery Center
State: PA

Complaint narrative:
Just got a call on my landline on XX/XX/2022, from XXXX, calling themselves Mediation Recovery Services. Had the same message everybody else is describing. When I called back on my cell phone, I spoke with someone named XXXX, from now XXXX XX/XX/XXXX, who claimed I had an outstanding payday loan from a place called direct cash loans. To my knowledge heard of this company and haven't taken out a payday loan as of late. The last time I took one out was over 15 years ago, and to my knowledge it was taken care of. Also, in the state of Pennsylvania, there are no payday loans allowed, so I am very much questioning this. I continue to ask her questions, in particular about their address, tried to find a website, but she would give me nothing, and said they would send me something in 10 to 15 days, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: OH

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-23 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: OH

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was suspended on XXXX XXXX because the company said I could have violated the terms and conditions from when I signed up. I sent the documentation that was requested, a copy of my Identification, social security card, and a proof of a bill with my address. I was told it would take 24-48 hours for a response from the department about my account if it would be reopened or if it would be closed and a check would be mailed to me. After sending the information I still have not hear from the bank I have emailed them several time and called and they are still stating that the account is under review. I have {$1300.00} in my savings account and around {$120.00} in my checking account with them that I can not access

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I opened a credit card with Capital One and paid {$390.00} annual fee after obtaining about XXXX points abruptly Capital One closed my account without any apparent reason and cash out all my points about half of the value Week later I received a generic later with vague explanation of why they closed the account I just want to know the specific reason the account was closed and why I did not receive the full amount of my points earned Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Customer Service Freedom Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX Mt. XXXX, NJ XXXX Re : Company Response CFPB Complaint # XXXX XXXX XXXX : The response given on the interpretation of the complaint has an overlooked detail : the Supplemental Real Estate tax bill from XXXX XXXX XXXX NOT the Virginia Credit Union ) , paid in full ( {$1600.00} ) by us on XX/XX/XXXX. Even so, to avoid the inconsistencies/increment of the monthly payments, we paid {$450.00} on XX/XX/XXXX to cover any escrow shortage ( as a result, XX/XX/XXXX payment will be {$1600.00} ). We are aware of a {$1300.00} Tax Disbursement payment made on XX/XX/XXXX ( the XX/XX/XXXX Escrow Analysis shows the Projected Payments to be made on XXXX and on XXXX, {$800.00} each, respectively ). For this reason, ANOTHER escrow shortage of {$290.00} will be reflected in the subsequent payments if it is not paid immediately. As per XXXX XXXX, the Tax Disbursements payments are due in XXXX and XXXX of each year, and the Real Estate is {$0.00} per {$100.00} of assessed value as of today, XX/XX/XXXX ( any changes have to be approved by the Countys Board of Supervisors ). XXXX XXXX, amendments to this situation shall be made without delay. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Closed. {$390.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX LOAN XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of 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 2022-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi this is XXXX XXXX. with XXXX writing wth regards to the letter I sent you last time because it seems you have not taken action. there has not been changes nor I received a response from your agency. I hope that with the help of CFPB you will take everything seriously because the errors that I was asking for you to delete was all inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Exeter finance has been threatened me with lawyers and call plenty of times to get resolve this a fraudently account they opend more then XXXX account in my name non consent withought my persmission now I work to get them off two credit agency so the are still trynabreport to equifax illegally and and open a nother account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a Suntrust mortgage back in XXXX, which was a XX/XX/XXXX loan. During a modification the 20 % loan was paid off. Since then it was bought by other lenders, however Suntrust is still showing up as a lien holder. 
I am in the process of selling my home and I have spoken to multiple departments at Suntrust which is now Truist to get a payoff/lien release so that I can close on my home and have not been successful. I have been on the phone with different departments for 3-4 hours at a time, explaining what's needed over and over and the level of incompetence is beyond me. 

I have been told that my mortgage is paid in full, however they no longer have the loan so they don't have a payoff release. According to my closing attorney for the sale of the home, XXXX XXXX XXXX, there is still an open XXXX from Suntrust showing up on my title. I'm 3 days past of my original close date and now the buyer is at risk of losing his interest rate and having to walk away. This is costing me a lot of lost time and possibly the sale.This has been over a week now since the closing attorney has requested this information : The fax number for the Closing attorney is : XXXX XXXX XXXX. 
This has caused so much stress and anxiety and I am already experiencing serious health issues. 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
Consumer complaint received 2022-05-23 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: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called AVANT but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called XXXX XXXX XXXX and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account # 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

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 2022-05-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear Sir/Madam, We have Amex gift card that was used to buy XXXX furniture at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Because of unfortunate life events, my sister had to move to XXXX from XXXX  and we returned furniture to XXXX. XXXX returned money to the Amex Prepaid card. We returned items that are valued more than the Amex prepaid gift card, which we pointed out the XXXX representative at the time. She informed us that since she didn't get error, we should be ok and the gift card is like credit card and the total amount will be there. Total amount returned was {$610.00}. This transaction was done on XX/XX/2020. 

While moving from XXXX to XXXX the gift card got misplaced. We found it later. While trying to use it after a year, we found out there is no balance on the Amex prepaid card. So we inquire with Amex customer service, we were informed that since the amount was more than the prepaid card, Amex returned the fund to XXXX. 

We called XXXX customer service, and was informed that they can't see this transaction online and we have to go the store. We live in XXXX XXXX and it is not possible to go to XXXX. I couldn't find the solution and want to see if cfpb can help us. 

I have return receipt. Amex customer representative email and XXXX customer representative emails. Please let me know what can I do to resolve this issue. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Accelerated Servicing Group LLC
State: MO

Complaint narrative:
Repeated attempts to collect a debt already discharged in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation