vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I entered XXXX XXXX in XXXX, CA attempting a XXXX XXXX XXXX. When we began the negotiating process for out the door price, I noticed there was {$2400.00} in aftermarket finance charges on top of the price of {$16000.00} and sales/taxes. When I questioned XXXX XXXX the sales rep, she stated those charges have to be included with the sale of the car. I inquired of what they are, she mentioned one of the services attached is a GPS tracking system called XXXX XXXX XXXX. I was adamant that I was not going to pay for aftermarket services I did not want. She stepped away and returned back with a new set of aftermarket finances which totaled {$990.00}. I continued to dispute the charges for a tracking system I did not want. Eventually the manager XXXX XXXX entered the room, he said they can not reduce the aftermarket finance charge anymore. XXXX advised that he reduced the charges from {$2400.00} to {$990.00} by removing the GAP insurance. I was stunned to learn, why was there GAP insurances attached to my sales agreement without my consent. We continued to argue because I did not want to pay for the GPS tracking service but they continued to advised multiple times the GPS tracking is not optional because its automatically installed on all our vehicles which is billed to the clients Eventually we came to an agreement because he gave me more for my trade in than I expected. When I got home that night, I reviewed the sales contract and noticed the {$990.00} for GSP tracking was stated as ( Optional ) Theft Deterrent Devices. 

On the morning of XXXX XXXX I called Capital One Auto to stop the funding of the loan until I resolved the loan issue. I was advised by Capital One that the loan can only be corrected directly through the dealership. 

On XXXX XXXX I returned to XXXX XXXX in XXXX, CA dealer to have the GPS tracking removed from my loan. While I was waiting for XXXX XXXX, I asked a sales rep, if the GPS tracking is an optional service? He responded, no, its added to all the vehicles at their dealership and charged to the clients. The sales rep XXXX XXXX escorted me to speak to a finance manager so I can dispute the GPS tracking service. The woman, which I forgot her name stated, the GPS tracking is not optional and can not be removed from their vehicles therefore the GPS tracking service is billed to the clients. " The GPS tracking is billed to all the clients. 


Can dealerships add optional products to their vehicles and forcefully bill the consumer? 

Can sales reps and managers add optional products without the clients consent? For example, XXXX adding the Gap insurance without me consenting to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: IL

Complaint narrative:
I recently received a copy of my consumer credit report that Transunion provided and I found a number of items on my report that I do not recognized nor did I authorize. Transunion showed blatant disregard for the FCRA 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 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX. An unknow person access my banking account online without my awareness. The person used XXXX cash advance from credit to debit. Then he made illegal purchased on my checking. I got phone alert in the morning said I need to verify this transaction. I was busy and when i checked my phone and see the alert at XXXX XX/XX/XXXX. I went to my banking online and see unauthorized charged.I called Wells fargo right on the same day to report that the is an online identity theft. But the person who helped me put the reason is that " dont remember the transaction ''. And since i report it happened online. They put a note that it happen outside. When i called the transactions are still in pending. But Wells fargo let that went through. And now my statement show I own them XXXX usd inculding allthe fees. Since no one from wells fargo called me, and I did not reply to the text. And i called at the same day. They should took care of it. The person helped me said i should not worry. But seem like all giving me wrong info without explains what is the next steps or helped me. They gave me XXXX temporary credit on XX/XX/XXXX and took it back on XX/XX/XXXX. I called them again and no one have any idea. They told me to reach the claim department, but it was closed, on XX/XX/XXXX the letter from Wells fargo came and its said there is no one use my credit outside. When I called Wells fargo and explain my situation, i told them it happened online. All the persons who handled my case did it wrongly and does not serious. They cant even stop the fraud transaction and let that went through. Even my debit card was denied due to daily limit. Wells fargo still let it went through.

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY

Complaint narrative:
XXXX XXXX had put us on a COVID forbearance. Shortly after they sold our mortgage to Select Portfolio Services. They claimed that they sent paperwork to a wrong address and by the time they called us, they said we were being foreclosed on. They claimed that they didnt have to honor XXXX XXXX forbearance and if we would like a loan modification the payments would be {$2000.00} a month and needed a response by the XXXX of XXXX. We sent an appeal about the payment and was told we would be notified within a week. We were not. Upon calling they still hadnt reviewed our appeal and said that they didnt want to resubmit it because it would just prolong it longer. Please let us know if we have any hope of keeping our home and thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have submitted numerous reports about inaccuracies on my report I have not been notified or updated on any reports from XXXX equifax oXXXX XXXX the original contract is not in my name or is my signature failure to comply to my dispute request is violation of the fair credit reporting act also by not acknowledging my claim this is a violation of the fdcpa which states 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Please remove these inaccuracies on my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
TD Bank target card is reporting late payments on my credit report. 
i have never been late on my credit cards they are all on auto pay. 
this is effecting my life i lost a 6 figure income job cause this was on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was affected by the equifax data breach. My Identity had been stolen and I am currently in the process of sending letters affidavits police reports and the like to repair my credit. My equifax report is non existant. No company, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, etc can report or find my equifax report. I did research and dug in trying to verify and find my consumer report and after failure after failure with equifax I discovered it still exists but 7 years or more has been erased and my name is my XXXX name and my address is from years ago. My consumer report is not connected to my legal name and address and date of birth or ssn. I have tried and tried to fix this with equifax have send verification documents and the like but I have received multiple different responses such as I don't exist and that there is nothing wrong with my consumer file basically saying that everyone in world is wrong and they are right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 I received an alert that Amerisave Mortgage Corporation requested a copy of my credit report. I also received another alert that XXXX XXXX  XXXX also requested a copy of my credit file. On XX/XX/XXXXI received a letter in the mail from Amerisave titled : Notice to Home Applicant, with details of my credit report. I have not applied for a home loan and I did not authorize either company to pull my credit. I did not speak to anyone from either company, neither did I fill out a credit application for a home loan. XXXX XXXX  XXXX said I needed to speak to Amerisave, I have not been able to reach anyone at Amerisave after several attempts, I even left a review in hopes that someone would reach out to me. I also called XXXX  and they stated I needed to contact the company to file a dispute but I am unable to connect with anyone from Amerisave.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called the customer care in respect of my debit card that I couldn't activate and a reasonable answer could not be giving to me. i want to know why i couldn't activate it and what can be done to get it activated. your quick response will be appreciated.

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 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting late payments on my credit report. 
i have never been late on my credit cards they are all on auto pay. 
this is effecting my life i lost a 6 figure income job cause this was on my credit 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 2021-07-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives 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 deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I opened a XXXX XXXX credit card with US Bank on XX/XX/2021 and have been using the card for the last two months with no issues and paying the statement balance in full each time. On XX/XX/2021 I tried to make a purchase from XXXX and the card was declined twice. When I checked my online account login two days later, the account didnt appear at all. 

I called to inquire on the evening of Wed XX/XX/XXXX and the customer service agent told me that the account had actually been closed on XX/XX/XXXX and I would have to speak with account fraud services which was only open during business hours. I called back on Friday XX/XX/XXXX and finally reached the account fraud services who repeated that my account was closed for suspicious activity and that they had sent a letter explaining. I have not received this letter and could not get any further information from them. I concede that it is their prerogative to take away my credit account but to do so with no indication or apparent reason is concerning. 

I have no idea what activity could have triggered the account closure and also find it suspicious that this account closure occurred when I was close ( approximately {$2600.00} of {$3000.00} ) to reaching the spending threshold required to obtain the advertised account opening bonus of XXXX XXXX I would at least like a reasonable explanation for this account closure as this practice seems deceptive to me.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have recently submitted a dispute with XXXX, Equifax, and XXXX. I have five closed accounts that where paid off in full but are still being reported on my report. I was told by each creditor that if I paid off my closed accounts they would be remove from my report and that was false. I let all three bureaus know of this falsehood and I have not received any response and the last thirty days Section 15 U.S. Code 1692e states False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I was also affected by the Equifax data breach some of my information may have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NY

Complaint narrative:
I previously notified Equifax that I am a victim of identity theft. The fraudulent items are still reporting on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am an American Express account holder. I recently book a trip through American Express travel. My trip was a failed attempt but the charge on my card is pending online the amount of {$4200.00}. I spoke with several representatives over a 48 hour period trying get the problem resolved. I was told that it would take 3-5 business for the funds to be put back in my account. I Do not understand why a trip was never booked but my card was charged and the funds are pending. Due to an unforeseen circumstance I do not have 3-5 days to wait for my fund to be release. American Express has caused great harm to my mental within the last 48 hours. I would like my funds released and documentation stating that this process is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MA

Complaint narrative:
On multiple occasions I have disputed an account with XXXX, Equifax, and XXXX. The original reason for the disputes was an account was showing twice. Same account, same info, listed twice and harming my credit twice. As of my most recent dispute, XX/XX/2021, the accounts have extended beyond the FCRA 's 7 year statue of limitation for reporting. The account, or both accounts rather, by FCRA rules, regulations, standards and or laws are required to be deleted. However, as of yet XXXX  and Equifax refuse to delete the accounts. A dispute with XXXX  put in on the XXXX of XX/XX/2021, was approved and deleted within 20 minutes. The disputes put in with XXXX  and Equifax on the XXXX of XX/XX/2021 we're denied and the accounts remain. The duplicate account has already killed my credit and the longer these companies ignore the laws and rules they are supposed to follow, the longer it negatively affects myself and people in this situation. These companies should have to compensate the people they XXXX over due to their automated systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: NM

Complaint narrative:
On XX/XX/2019 i paid XXXX XXXX nm branch of regional finance amount of XXXX dollars to pay off my loan they gave me a receipt that was for my final payment supposedly the person on the receipt that took my payment was a person by the name of XXXX XXXX. 
I didn't think of it at the time i was happy to pay off my account. As i have with several other loan company 's that i work with. And several months later i start getting collection Calles and notices that i have an unpaid amount of $ $ $?? 
So i contact the company regional finance no longer located in XXXX XXXX nm XXXX that is now in XXXX XXXX nm. I questioned them asked why they say i still owe. They stat I didnt pay. I say i did and my receipt says the person who took my payment was some XXXX XXXX and the person on the phone says oh that's me but my name is XXXX. So i said ok well i paid you on the date stated above. Long story short said i didnt pay and that someone gave me a fake receipt. I still have a copy of my receipt that i submitted to regional finance and they still rebuttaled i didnt pay. With different stories that started confusing me this company needs to be shut down for destroying my credit and my self worth of always paying my debts. I will not pay another penny over the amount ive already paid. Need this fixed it was given to a debt collection agency and i have shown them my receipt also by email and they are still after me for wrong doing of regional finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NC

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to be remove. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate.As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on these accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

Company response to consumer: Closed with explanation