vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I went to buy used vehicle from dealer called XXXX XXXX XXXX  situated at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on XXXX XX/XX/XXXX and decided to buy XXXX XXXX xlt. I applied for auto loan through them and also asked if their company do business with wells Fargo auto because i have had banking with wells Fargo from a long time. I was approved and the finance representative of XXXX XXXX  came up with interest rates of 8.49 % through XXXX XXXX XXXX XXXX and 8.69 % through wells Fargo. I was denied when i asked the rate quote paper showing the rate of interest of both banks. Because of less rate i went with XXXX XXXX XXXX XXXX and signed the loan contract and the vehicle was delivered to me with proper tags and registration. Almost a week later on XXXX of XXXX i got call from dealer to come or stop by to sign some papers those were missed by mistake. I went there to sign but upon reaching i found their was whole new story. They were trying to switch me from XXXX XXXX XXXX to Wells Fargo auto loan because kemba denied few days later for some reason. When i said i do not want to pay higher interest rates then the representative assured me that i will get the same rates as XXXX was giving which was 8.49 % but from different lender. My first original concern was about the dealer who was probably lying to me about the truthful rates of interest and intentionally wanted me to go with their favorite lender because i am wondering how come the wells fargo later agreed to give me lower interest rates but not at first place when i applied the application. Then on XXXX XXXX i went to dealer again and signed the loan contract with wells fargo but surprisingly even at more lower rate which is 7.69 %. 

Secondly the most important concern now is as below : I tried to contact with Wells fargo to get some clarification about my concern and asked them clearly that what was the original rate of interest that wells fargo offered me on XXXX of XXXX. Why the rate of interest are not disclosed to consumer who is paying back. Wells Fargo filed a case under XXXX Complaints Management office. Case number XXXX. But Executive office case specialist named XXXX XXXX tried to ignore the whole concern and did not resolve the case. Suddenly on XXXX of XXXX closed the case without resolving it.

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 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
The account was opened in XXXX but they keep putting random dates to keep it active on my credit report. TRANSWORLD says the account was opened in XX/XX/XXXX. I have sent to XXXX and XXXX multiple times for dispure, and also to a private organization called XXXX XXXX in XXXX of XXXX. It is resolved for a day or two then they report a different date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have not been to XXXX XXXX XXXX in almost 12 years if not longer i dont evengo to any Drs up in XXXXXXXX XXXX all my medical is down in XXXX.This is not my debt to pay. Apprently they have me mixed up with another XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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 XXXX of 2022 a late payment was posted to my account in the amount of {$20.00} dollars on an account that has been paid off. I called the bank, and the situation was resolved due to someone charged my card for satellite radio which I do not have. later the l found out that lates were added to my account and I reached out to the bank again to fix the issue and at this time I was told that there is nothing they can do to resolve the issue even though it was no fault of my own.

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 2023-03-21 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My rhetorical question to XXXX XXXX This is XXXX XXXX ' XXXX Executive Office Case Specialist XXXX XXXX XXXX XXXX ) reply to me on XX/XX/XXXX : " We also found the check deposit on XX/XX/XXXX, to the account at another financial institution was returned as unpaid on XX/XX/XXXX. Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' I have three points for you to clarify : 1. Which financial institution is " as a credit to the other financial institution ''.

2Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' Please show proof of another financial institution you deposited on XX/XX/XXXX? Whose account is it? What is the account number? 
I have XXXX XXXX 's statement for XXXX and XXXX, but there is no deposit of {$25.00}. 
3I spoke with XXXX XXXX on the phone and she admitted to have XXXX XXXX XXXX bank statement ( XXXX ). She said today that it is a another financial institution, how can she change it back and forth? 
I am very dissatisfied with the service from Wells Fargo. They shirk their responsibilities, and half a year has passed, and no one has answered me seriously. 
Your irresponsible attitude is a waste of resources. 
If you don't solve this matter for me, I will never give up! 
I once again reminded the relevant customer service staff of Wells Fargo : You and I, take out XXXXXXXX XXXXXXXX XXXX XXXXXXXX statement for verification, and everything will become clear. 
Why are you dodging? Avoid the facts? 
Why don't you dare to face XXXX XXXX XXXX XXXX bank statement for XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-21 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-21 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: PA

Complaint narrative:
I was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing accounts.

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have had my federal Tax refund deposited into another person 's account knowingly by Credit Karma money spending account department on the XXXX XXXX XX/XX/XXXX XXXX in the amount of {$3200.00}. This is the amount that I should have received after XXXX XXXX XXXX withdrew their fees of {$94.00}. XXXX XXXX XXXX, is only a third party in the issue because XXXXXXXX uses them to collect their fees. I have been calling non stop concerning this issue and was told by both the irs and XXXX XXXX XXXX  XXXX that Credit Karma should have rejected the funds and not have sent the money to the wrong account since none of the information matched as far as the name and ssn number. I have been emailing and calling Credit Karma and have proof that this company knows that my refund has went to another person 's account which is fraud on their behalf. I have reached out to Credit Karma customer service by way of email having the issue escalated. I also have had to reach out to the XXXX XXXX XXXX and once again they are apologizing for putting my refund into the wrong account with no resolution from Credit Karma. Now, I have been referred to you all to try and get some help concerning getting {$3200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I was approved for a home mortgage with XXXXXXXX XXXX. They issued the loan and serviced it for about 11 months, after which time, they transferred it to Flagstar Bank. 

I made one payment and it went through fine, although it seemed to take them a long time after I mailed the check to process the payment. Then, this month ( XX/XX/XXXX ), I mailed a check on XX/XX/XXXX to their XXXX XXXX XXXX XXXX, TX. 

After about 2 weeks, I called them, and asked if they had received my check, and they said that they know that it was mail on XX/XX/XXXX. They advised me to wait until Friday, XX/XX/XXXX before calling them again. I waited until today, XX/XX/XXXX, to see if they processed the payment. They had not. And so, I decided to cancel the check and pay it online, which I did. That was the this morning. I called them and let them know I canceled the check and asked that they note the account and destroy the check if they have it. 

This afternoon I got a call from them, their Collection 's office, and the representative said that I was delinquent. I couldn't believe it. I told her that my loan was transferred to Flagstar on XX/XX/XXXX and I had until the end of XXXX to make the payment ( 60 days from XX/XX/XXXX ). I also told the representative I mailed the payment on XX/XX/XXXX and called them a couple times now to make sure the check was received, since it wasn't processed, I decided to cancel my check and pay it online, which I did this morning. 

The number I had to call back after I received their urgent message was XXXX - ( Flagstar 's internal Collections Office ). 

The electronic payment had already been acknowledged by them in the morning, and so their call to me to alert me of being late was ridiculous under the circumstances, and I believe even violated RESPA which allows up to 60 days to make payments. 

Anyway, I just thought you guys should know about their poor procedures and non-compliance in this case with RESPA. In the end Collections acknowledged the payment was pending, and said they will not charge a late fee. We will see if they can get that right.

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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern : I have been a Bank of America Client since XXXX and I opened a Privacy Assist account in XXXXEver since my account has been charged XXXX every month and the service had been disconnected that same year. I called Bank of America several times and transferred me saying that they were not responsible for the refund, so I have been back and forth form the bank to the Privacy Assist help line. 
So, XXXX x XXXX XXXX ( one year ) and XXXX x XXXX = XXXX ( 12 years ). 
I am asking for your help, so I can collect my money back and things would be fare and square. 
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 2023-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The accounts listed below are inaccurate and incomplete. The presence of these accounts on my credit report is damaging and must be removed. I respectfully ask that this accounts be investigated and removed from my file.

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 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a natural person. My name is XXXX XXXX XXXX. The credit bureau violated my rights and disrespected my rights to privacy. If you dont remove this account we will have some problems! 

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-03-21 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: GA

Complaint narrative:
I am a natural person. My name is XXXX XXXX XXXX. The credit bureau violated my rights and disrespected my rights to privacy. If you dont remove this account we will have some problems! 

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
This debt belongs to XXXX for an incident that happened at my property. I provided amerassist with all of the information they need to collect their payment. They still call me from different numbers harassing me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: PA

Complaint narrative:
I was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing accounts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I purchased a product from XXXX and never received it. I have tried countless times to contact XXXX, when that failed I reached out to my bank. They too gave me the run around, making all kinds of excuses for why they havent put my money back in my account. 

Please note my package was out for delivery for three to four days. This here should have told my bank something was wrong. Also the package was sent back to them on XX/XX/XXXX, yet my bank acts like they cant figure it out. Your help Is deeply appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 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: NJ

Complaint narrative:
It all started in XXXXXXXX XXXX XXXX  when we were notified that our then loan service provider XXXX XXXX services was transferring us to XXXX XXXX an that there would be no reporting to the credit bureaus for 60 days. In XXXX of 2022 XXXX XXXX started reporting to the credit bureaus on XX/XX/XXXX my credit score dropped by XXXX I went to see why an found that Equifax had reported the account was closed. 
I contacted XXXX XXXX an Equifax. XXXX XXXX had assured us that they were reporting it as open an current XXXX an XXXX XXXX had it also open and current. Ive filed 6 disputes with Equifax an the results come back the same they have the account still showing transferred/sold with no balance owed but current. My wife is also on the loan an has been affected credit wise. I thank you in advance for your help on this matter. 

All the best!

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation