vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/22 my bank notified me that PayPal had a XXXX transaction of {$2900.00} that was going to be transferred. I called PayPal and a representative got on the phone to assist me with the fraud. He asked to take over my computer to do so. He then accessed our log in information to log into my bank, transferred {$7000.00} from our savings account to our checking account. From there, he opened a XXXX account and transferred {$1800.00} to an XXXX XXXX  XXXX from our checking account. When I looked at our bank 's app and saw this, I hung up and called our bank to file fraud. My bank stated that XXXX verified my identity using my name, address, email, phone number, date of birth, and SSN through XXXX. They also verified he swiped my debit card which was verified by XXXX  via XXXX on XX/XX/22. I called XXXX the next day and was told by their fraud department that my identity was used for the {$1800.00} transaction, and it's not refundable. My husband called PayPal on XX/XX/22 to close the account but was told it needed to remain open for 30 days for investigation into the over XXXX plus transactions. Our PayPal login was changed, so I recovered our account and set up a new password on XX/XX/22. I noticed that not only our checking account was listed on our PayPal account, but also our savings and XXXX XXXX  XXXX  numbers the fraudster got off our bank 's log in. On XX/XX/22, I deleted all of our accounts from PayPal, and I've called PayPal multiple times to close the account, but it's still open and we're receiving emails from PayPal and XXXX. I filed a police report XX/XX/22 and followed up on XX/XX/22, we have done credit freezes and watches on XX/XX/22, purchased a new hard drive on XX/XX/22, changed passwords, purchased XXXX XXXX on XX/XX/22, and I've filed an Identity Theft Report on FTC 's website on XX/XX/22 and updated on XX/XX/22. On XX/XX/22, I wasn't able to log in my bank account, so I had to recover my account and change the username, password, PIN, and security questions. We've filed 3 appeals to our bank to be reimbursed but have been unsuccessful since XXXX stated, " the listed transactions are not fraudulent. '' I've written PayPal and XXXX to close the accounts, and from XXXX to be reimbursed the {$1800.00}, but they submitted a letter to my bank saying, " The customer claims she did not authorize this transaction ; however, we were able to verify the customer 's information to prove her participation in the disputed transaction. '' PayPal has responded to report email scams to them but overlooked the XXXX plus fraudulent transactions and neglected to close our account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
A new XXXX XXXX XXXX we leased with Ally Bank on XX/XX/XXXX for 42 months with a mileage allowance of XXXX miles with excess miles to be charged at {$0.00} per mile. ( XXXX XXXX # is XXXX ). Additional damage protection was purchased which included protection for {$400.00} of excess mileage, i.e. 2,000 more miles bringing total maximum allowed miles to 37,043 before excess mileage would be charged. 
The leased vehicle suffered a total loss due to Hurricane Ian on XX/XX/XXXX. Actual mileage at time of loss was 31,500 as reported on " CCC One Market Valuation Report '' prepared for the insurance provider and Ally, who received considerably more than the lease buyout agreement and has claimed and kept {$3200.00} for " Excess Mileage Charge Owed '' and has only refunded to me a balance of {$92.00}. This would be equivalent to a claimed 16,157 miles over and above the basic 35,043 miles allowed, bringing the total mileage of the car to 51,200. They are denying any knowledge of the additional 2,000 mile protection, but that is moot as the vehicle was still 3,543 miles below the total lease allowance. 
Attached is the letter from Ally, the CCC One Valuation and a Mopar Extended Warranty purchased for the XXXX on XX/XX/XXXX which shows the mileage then as 30,001 - it would have been almost impossible to add over 21,000 miles in exactly 2 months.

Every attempt to get answers to the letter that Ally sent on XX/XX/XXXX claiming we owed {$3200.00} for excess mileage has resulted in misdirection and obfuscation. This is either a gross miscalculation bordering on negligence or a deliberate attempt at fraud.

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 2022-12-06 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
Hi I recently transferred my money from US checking account to XXXX checking account. When I initiated a wise transaction on XX/XX/XXXX, initial time frame was XXXX days, then wise send me an email stating that it may take longer and money will be credited into my account by XX/XX/XXXX. I have already raised XXXX complaint to them but no action instead they sent me another email that it will take even longer without providing any timeline. 

Money is deducted from my checking account and I am not yet paid in final account. I had done many transactions in the past and usually it never happened but this time as money was big, I am afraid that wise planning to keep the money. It has created a lot of mental stress to me, kindly look into the issue as soon as possible. 

My membership ID with wise is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 3 capital one credit card, over 2 years paid as agreed.

I recently found a fraudulent account on my credit report and put a fraud alert on my credit report.

When I applied for a new card with capital one, the followed instructions as I requested on my report, they callee my phone, same phone as Capital one has on my accounts ( 3 ) if them After identifying myself and establishing my identity I was told everything was ok.

Then a few days later I received a letter that was requesting copy of my Driver license, social security card, tax return, and pay stub. 

I sent them copy of my drivers license and copy of my 3 existing credit cards After a phone call they rejected my docs except for my license I did not have the other docs except my license and my existing cards Under KYC rules. I know you are supposed to know your customer. They know me I feel that my credit application was hindered and delayed for weeks because of the Credit message I had placed on my credit file. 
Never before I placed that message on my report was capital one concerned with me identifying myself. 

After contacting me, I answered all questions properly and they still delayed me ultimately I withdrew my application because of unwarranted scrutiny I put on myself simply because of a fraud alert I placed on my file, asking lenders to call me before opening new lines of credit. 

If banks ( capital one ) are going to discriminate against people with a fraud message to call them, they are sending out the wrong message to change consumers, not to place such alerts on their credit file, because they will b discriminated against for doing so. 

I feel if I was a new, established customer this activity would be warranted, but as I said, I have 3 other established accounts over the years that are still open, current standing Is Capital One discriminating against customers because they take an extra step to have lender call them to verify, YES. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: FL

Complaint narrative:
I have attached 3 letters with accounts with errors reporting to my Experian credit report, this isn't the first time I have sent these but they are clearly in violation of the FCRA and need to be deleted. Please delete these accounts as they affecting my life and please also update my personal information

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 2022-12-06 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: Mercedes Benz Financial Services
State: NY

Complaint narrative:
RE- Lease of XXXXXXXX XXXX XXXX XXXXXXXX VIN # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I handed back a XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX to Mercedes Benz XXXX XXXX XXXX XXXX condition with XXXX miles on the clock and an overpayment of over XXXX XXXX plus {$1800.00} early pay off fee which I was told by XXXX XXXX over a recorded phone line in XXXX would be waived. 

Since dropping back the leased car, I have contacted Mercedes Benz USA, Mercedes Benz Finance and Mercedes Benz XXXX by phone and email on several occasions over the last couple of months trying to recover my overpayment of {$16000.00} plus {$1800.00} early payoff fee which I was told would be waived but was subsequently charged to my account. See enclosed closing statements which clearly show the overpayments. 

I have tried to get a resolution to the problem over several months sending emails and contacting Mercedes Benz on numerous occasions. I opened a case complaint with XXXX XXXX XXXXXXXX see enclosed but almost 5 months since I handed back the car we have not received the overpayment refund that is owed to us. It seems, Mercedes Benz does not dispute the monies that are owed this is clear in the closing statement, but they seem to dispute which department of the company owes us the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I fell behind on my mortgage due to a reduction in income because of health issues I was having. I hired a law firm to be able to discuss my mortgage with my lender. I also sent a qualified written request. My law firm called on XX/XX/2022 and asked where to send the documents. We complied and my law firm tried to contact my lender on XX/XX/2022 and XX/XX/2022. Both times the law firm was sent to a voicemail for someone named XXXX. Both times messages were left and the lender is aware they are attempting to try to retain the property. The lender will not call back and I am not sure I have had all available assistance under the CARES act accessible to me. Today, XX/XX/2022 the lender set a sale date and did not even give me 37 days under regulation X to attempt to retain the property. I believe my lender is purposely not allowing my law firm to get any information and they have not responded to the QWR and set a sale date with the QWR outstanding. I would like a fair chance to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: IL

Complaint narrative:
I have XXXX accounts with XXXX Bank that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. XXXX laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 A. One account was closed by them even though the account was current. The other one is still open. I want the last fees status updated on my report from XXXX of 2021 thru XXXX of 2021. I paid the account in full before they decided to close the account. The other open account is current. Please resolve this issue.

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 2022-12-06 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: IL

Complaint narrative:
I have 2 accounts with XXXX XXXX that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. Three laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 A. Account ending in XXXX from XX/XX/XXXX thru XX/XX/XXXX late payment should NOT be reporting. The accounts are current and should be removed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: IL

Complaint narrative:
I have 2 accounts with XXXX XXXX that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. Three laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 A. Account ending in XXXX from XX/XX/XXXX thru XX/XX/XXXX late payment should NOT be reporting. The accounts are current and should be removed within 30 days.

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 2022-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE REMOVE THESE INQUIRIES I AM A VICTIM OF IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
I HAVENT RECIEVED A RESPONSE FROM EQUIFAX AND IVE SUBMITTED A DISPUTE OVER 30 DAYS AGO THIS IS A VIOLATION OF THE FCRA, EQUIFAX IS NOT UPHOLDING THE LAW AND SHOULD BE HELD ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 my computer was hacked by a scammer who gained access to my Chase Bank online account. Realizing what happened I promptly contacted Chase Consumer Protection and Fraud Customer Service. Several phone calls were made by me and recorded by Chase notifying them that I did not authorize a transaction that was made moving {$10000.00} from my Savings account to my Checking account. I informed the agent ( s ) that my computer was hacked and that all my online accounts must be shut down immediately to prevent any additional transfer of money. My online identity and my wife 's online identity at Chase were changed and I was told that would protect us. Despite being notified of the scam and asking that my accounts be shut down, onXXXX at XXXX XXXX  Chase negligently sent an International Wire transfer from my account in the amount of {$10000.00} to an unknown individual. I have made numerous telephone calls to Chase Bank Claims Department requesting they return my funds which I did not authorize to be wired. Chase has denied my claim saying they are not responsible for scams and had no information to know that it was not me who requested the wire transfer. However, they have a recording of my telephone calls 12 hours before they made the transfer explaining that my account was hacked and should be shut down. I feel Chase Bank was negligent in their fiduciary responsibility by transferring money from my account after being informed that a scammer gained access to my account, and I wanted all transfers frozen, and my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
Good day sir/maam. 
Please pay close attention to dates, time stamp because I will be attaching some documents. 
XX/XX/XXXX I bought XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Few weeks later the car stopped me on a XXXX and I towed it back to the dealership. 
They did the first repair at XXXX XXXX XXXX, on XX/XX/XXXX I pick up the car, on my way home on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following day, the car was towed back to the dealership. 
XX/XX/XXXX I kindly requested for a change of car or they can keep there car. 
XXXX XXXX XXXX XXXXXXXX employer advised me to do a voluntary repossession. 
later that, day I spoke to the XXXX XXXX on the phone, to please exchange the car or keep it, he told me to come back to the office. 
I went back to their office the following day and he got a {$16000.00} car, {$3000.00} down payment, almost $ 700 monthly payment for a XXXX XXXX plus mileage car. 
I respectfully declined. 
He said if I dont want that, another option would be for him to fix the car ( XXXX XXXX ) It took 1 months plus to get the car fixed and I was still making the car payments. 
Let me add this, I called, texted, wrote mails to stellantis financial services, to informed them about the situation. 
XX/XX/XXXX I pick up the car. 
The XXXX assured me everything was great and running smoothly. 
XX/XX/XXXX XXXX the car stopped me for the XXXX time on XXXX XXXX. 
XXXXXXXX XXXX I towed the car back to the dealership. 
XXXX what I have been going through all these months, Dealing with a company that sold junk car to me and theyre fully aware. 
I pay XXXX to this place when the invite me to the office, pretending to help but never did. 
I payed for tow out of pocket. 
The cancel the warranty I had on the car. 
They just want me to react or be rude to them so they can call me XXXX XXXX XXXX etc. 
But I still maintain the peace. 
Please CFPB help me! 
Let me also add that I bought ( XXXX ) cars from this establishment. XXXX, XXXXXXXX XXXX  and didnt complain about the cars because theyre okay, just some cosmetic repairs here and there. 
The XXXX has been the problem from the beginning.

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 2022-12-06 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 have XXXX accounts with XXXXXXXX XXXX  that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. Three laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 XXXX XXXX account was closed by them even though the account was current. The other one is still open. I want the last fees status updated on my report from XXXX of 2021 thru XXXX of 2021. I paid the account in full before they decided to close the account. The other open account is current. Please resolve this issue.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARCO Group, Inc.
State: MT

Complaint narrative:
Provided a background check report from Intellicorp on XX/XX/18 with some false information associated with my social security number. 

Tried to correct this on the same day, XX/XX/18, and provided the company with further information. 

Received an " updated '' report on XXXX, but the incorrect name was still included. I elevated the dispute with the company. 

Received a third report on XXXX, still containing the incorrect information, which further stated that I had used an " alias '' and " FORMER NAME. '' This is not correct at all. 

Intellecorp refused to correct this information, stating that " someone must order a new report. '' This false information has been provided to a XXXX on all three occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On my report they are showing 3 days late in 2021. They are also reporting inaccurate balance and amounts. This is a time share and is reporting as a mortgage. Prior to the late reporting they sent in, they never reported any on time payments.

Company response to consumer: Closed with explanation