vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have had several loans for jeeps in the last 10 years. This particular loan was to be paid on a trade. the loan was with Chrysler Capital- I found a new jeep ( licensed Chrysler franchise ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with Chrysler capital ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the Chrysler capital. I was like ok. then in XXXX I called Chrysler capital they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and Chrysler has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and Chrysler Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
A total of about $ XXXX was taken from my account in agreement of exchange for a XXXX XXXX. Money was sent to the vendor, however the vendor is requesting more money before sending the XXXX, even after accepting previously sent funds. I have contacted the vendor with no response. When notifying the vendor that I will dispute the charges, my account was blocked from messaging him

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-04 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: CA

Complaint narrative:
In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hello Consumer Financial Protection Bureau : This is unacceptable that M & T Bank would send our stolen {$20000.00} check to our old former home address that we moved from in XX/XX/2022, just to continue to mess with us, when they only had our XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX business address on file. 

If this is not corrected ASAP we will be filing additional formal complaints against M & T Bank and all of its individual officers responsible for this abuse. 

Be guided accordingly. 

Thanks, cc : XXXX FBI XXXX XXXX, XXXX Attorney General, XXXXXXXX XXXX XXXX XXXX Department of Financial Services, XXXX XXXX of the Inspector General, Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-01-04 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number 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 2023-01-04 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: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number 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 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
On XX/XX/2023 : {$390.00} was sent to Zelle account under XXXX XXXX. I had reached out to an individual on XXXX to buy concert tickets. After the money was sent I was expecting to receive the tickets, but the individual sent that they needed more money to transfer the tickets into my name. I declined and asked them to send me the money back and requested via Zelle to which I have not received anything back. Zelle has no feature in order to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Pennymac has failed to remove the fees theyve added to the account from years ago after submitting a payment towards those fees in XXXX and previously as discussed with them over the phone. I was told some of the fees would be voided. The fees still Show. My statement shows fees currently at {$1600.00} Ive been on time with my payments since XXXX but the lender has failed to report this to all 3 Credit reporting agencies. They also refused a loan modification to remove PMI despite my 20 % plus deposit in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to XXXX  XXXX  XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, six different companies pulled my credit report. Which I didn't authorize or agree to. 
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 non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
In XXXX of 2022 an escrow analysis was done on my mortgage account using incorrect information, leading to my payments being {$800.00} more a month. I contacted the company via their messaging portal and phone calls over 20 times to try to get my account fixed. Every time I made contact, I was told a different story to how and why the issue still was not resolved and was given a new date that it would be fixed by and told that they would follow up with me. After getting nowhere with fixing the escrow account, I was told that I could cancel/waive the account and it would take 12 days to process. I followed their instructions to waive the account, waited 12 days and still no resolve or any correspondence after another month. I have made several more calls and the customer service department claims they have no way other than email to communicate with whomever can make the changes to the account. I am told that they will " elevate '' the request and follow up. And again I get no response and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have a business checking account at Bank of the West in XXXX. Every check I deposit That can be considered " large deposit '' which is more than {$5500.00} they hold it for longer than XXXX days. At present I have a check I deposited on XX/XX/XXXX and I was told by the bank it would be released to me on XX/XX/XXXX. 
1 ). Every single check I deposit over {$5000.00} is held longer than 7 days 2 ). No check coming into my account has every not been payable.

3 ). The holds cause my checks to bounce.

4 ). The checks are from the same companies month after month yet holds are always placed on my checks.

5 ). in violation of federal law I do not receive any notification of the hold or when it will be removed until a week later by mail or I have to call the companies customer service.

6 ). Bank of the West refuse to verify the funds so they can be release in violateion of Regulation CC which requires banks to release funds XXXX hours after the banks have verified the check is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/XXXX, Associated Bank put my account under review. I understand that this happens but I have still not been provided with a reason and the Account Manager, XXXX XXXX, has refused to answer any of my calls. It is XX/XX/XXXX and I don't understand why I'm unable to access my account without any information. This is extremely poor customer service. Further, I opened my account on XX/XX/XXXX and I haven't even received a debit card yet. When this matter with my account is resolved, I will be closing my Associated Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
PDM is trying to collect on an alleged debt that is not mines nor owed. Also, they are not licensed to collect any debt in my state of Connecticut which they continues to try and collect and report on my credit file. I have submitted supported evidence to support my claims yet they fail to acknowledge. PDM continues to violate my rights as a customer by doing so. You will see in the attachment to this complaint how they are violating my rights under section 36 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In review of my XXXX credit report, in XX/XX/XXXX, I noticed that there was a reporting by Capital One Bank USA. They reported the account as a " Charged-off '' on all three credit reporting agencies. 

I sent Capital One a letter dated XX/XX/XXXX requesting validation of the {$830.00} they that are reporting.I asked them to provide me with any information on the alleged debt, like first date of delinquency, a contract with my signature and any statements that could validate that I owed this debt. 

Capital One responded on XX/XX/XXXX, asking me to provide them with information regarding this dispute. If they truly read my letter, I provided them with all the information that I had accessible to me. I responded back to Capital One with the information they requested that I complete in XX/XX/XXXX. 

In return, I received XXXX ( XXXX ) separate letters from Capital One all dated XX/XX/XXXX. 
XXXXThe first letter stated that the application was taken over the phone or the internet, and that they didn't have a paper copy of the application to send to me. 
XXXX.The second letter, they validated that they received the application via the internet on XX/XX/XXXX. They also stated that they were not able to provide me with any statements to reflect charges that were made. 
XXXX. The third letter only stated tha they would update the account with all three credit bureaus. 

Not XXXX of their letters were able to authenticate/identify that it was me, XXXX XXXX XXXX who open this line of credit/credit card that is now being reported on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
Called AT & T to advise account was not mine and account was closed as it was not mine. All of a sudden, I am not getting bills for an account that was closed by AT & T for fraud. Tried to contact company and explain this to them but they don't care and continue to send me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TX

Complaint narrative:
I went to XXXXXXXX XXXX XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, XXXX different companies pulled my credit report. Which I didn't authorize or agree to. 
XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-04 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: TX

Complaint narrative:
I went to XXXX  XXXX  XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, six different companies pulled my credit report. Which I didn't authorize or agree to. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was written a check that got declined. I did not use any of the funds associated with said check. Capital One froze my checking account including the money I had left in the account. I have tried many times to resolve this issue. So much of my time. 

I have been asked why I was written the check I was asked how I knew the person who wrote the check. They insisted on calling that person. How is any of this legal? 

They still have not released my funds and I have to speak to a new person every time I call. This seems very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to complain about a problem that I have experienced with my account at Wells Fargo. On XX/XX/2022, I discovered that a garnishment had been placed on my account. However, I received notice on XX/XX/2022 that the garnishment had been dismissed. Despite this, Wells Fargo has refused to release the funds that were garnished. 
This situation has caused me significant financial hardship as I rely on these funds to pay my bills and meet my financial obligations. XXXX disconnected my power the next day and I could not afford to feed my kids. I have contacted the Legal Department services multiple times to try to resolve this issue, but I have not received a satisfactory response. 
I am requesting that Wells Fargo release the funds that were garnished as soon as possible. I would also appreciate a written explanation of why they have refused to release the fund.

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 2023-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-01-04 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation