vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I leased my car XX/XX/XXXX from XXXX and Wells Fargo manages the lease. I put {$15000.00} down for the lease on XX/XX/XXXX. The payments were to be {$190.00}. I also made my XXXX payment in XXXX. I kept making the payments so I was 1 month ahead. In XX/XX/XXXX they billed me for 2 months saying I was behind. They started applying a {$9.00} fee that month. I called multiple times and was told it was an error. It kept being there even though I kept paying it. I have a record of paying 24 of these fees but they were never credited. I called multiple times because then it kept showing I was behind at this point. I was told to ignore it and it would work itself out. When it didnt one lady when I called in said she would credit my account for the fees and that would make my next payment current. It never did. I kept calling and started being transferred and would be on hold for hours and no one would answe even though it kept saying I was next in line. XXXX told me to email my complaints so I did with no response. They then added a {$600.00} repossession fee in XXXX of XXXX. I emailed again and was not responded to. I am current on my payments, but the fees still show on my account and the repossession fee they assessed me. They repossessed my car today because of these fees even though I had made all my payments, and never responded to my emails, nor answer my calls. I asked them to fix this numerous times so I could extend my lease as keep my car another year sense the payment is so low.

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 2023-08-09 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: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 On these dates, the company contacted me regarding a medical debt. I told them i am not verifying anything, send me the itemized bill and the have not. I told them to stop contacting me and they keep calling. 
They keep calling from 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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a Verizon credit card, which is administered by Synchrony Bank. They declined my application, even though I have other credit cards through them and my credit is excellent. I provided them additional information. Date of application response is XX/XX/2023. I have sent them a written response via email.

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 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a notification on my phone from cash app that someone was requesting a payment of {$200.00} I unlocked my screen and just unlocking my screen accepted the payment request. 
I XXXX XXXX the consumer did not initiate this transfer. 
I XXXX XXXX the consumer received NO benefit from this transfer. 
This transfer was initiated by a unknown person through a cash request to cash app. 
I XXXX XXXX the consumer received a locked screen notification from cash app requesting {$200.00} I XXXX XXXX the consumer unlocked my phone screen to decline and face id screen came up when the screen cleared it said accepted. 
I XXXX XXXX the consumer did not accept the request. 
I XXXX XXXX the consumer did not press anything. 
It never gave me the choice too. 
I XXXX XXXX the consumer immediately requested a refund from the sender per cash app policy. 
It was declined. 
I reported the transaction as a scam transaction per cash app policy. 
I then filed a dispute through cash app chat. 
The next business day cash app dispute department refused to open a dispute and closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative/fraud. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX and 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative/fraud. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
My mortgage company was contacted by the attorney representing me in the sale of my home and a closing date was established for XX/XX/XXXX at approximately XXXX. My mortgage payments are scheduled to be automatically debited from my checking account on the XXXX of the month excepting if the XXXX falls on a weekend. I contacted the account manager that is the contact for anything connected to the mortgage account in my name and instructed him not to debit my checking account for the month of XXXX as the home would be sold on the morning of the XXXX. The mortgage company debited my account several days early so they could receive the payment before I closed the sale on the XXXX. I instructed the mortgage company that by doing so they would change the outstanding balance on the sale price of the home and I would lose a full month mortgage for a few hours of ownership. I have requested that the mortgage company reimburse me for the withdrawal made from my account for the payment of the XXXX mortgage and have not yielded positive results from any conversation with them. Their intent to extract payment early was only so they could get one last payment prior to sale. The sale of the home went as planned on Monday XX/XX/XXXX XXXX and I lost a full months mortgage for a couple of hours of ownership. I instructed that if for any reason the closing did not go as planned then they could extract the payment on the XXXX which they have done several times before in the past when the XXXX of the month fell on a XXXX. I seek resolution for 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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: OR

Complaint narrative:
I've been a PNC customer for many, many years. When I contacted them on Tuesday, XX/XX/2023, to report a breach of my credit card, it was clear that I was speaking with an " off-shore '' customer service department. When I could not understand the foreign service rep, I asked to speak to a native English speaker. The person seemed flustered and did not comply. I called a second time and was hung up on. When I called the third time, I had to guess what the rep was telling me. This represents a troubling downgrade in customer service at PNC. Worse yet, PNC seems to make it extremely difficult to contact their corporate offices. 

PNC is tone-deaf if they don't address this problem. Trying to cut costs by off-shoring their customer service is prompting me to look elsewhere for banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Number XXXX TRUIST BANK {$4400.00} POSTED ON XX/XX/2021 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

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 2023-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I have 3 loans with upstart. I requested a cease and desist to no longer get mail. They stated they can not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C B Merchant Services
State: UT

Complaint narrative:
Back in XXXX, I signed up to receive solar panels for my home residence through XXXX XXXX XXXX. It became quickly apparent that they were not going to complete this install in a timely manner as they had initially promised and I inquired about cancellation. I was told at the time by employee, XXXX XXXX, that I would not be charged the cancellation fee of up to XXXX XXXX of the total project cost. After further inquiry, he and some of the other employees of XXXX XXXX showed me in writing that my cancellation fee was waived. After this point in XXXX, I did not hear about any supposed debts I owed to XXXX XXXX. It was not until this last Friday ( XX/XX/XXXX ) that I received an email from a 3rd party called Advantage Billing XXXX XXXX ( not a physical mail or phone call ) that my account was overdue and demanded immediate payment within XXXX days else I would receive unspecified legal actions against me. There was no indication of my rights in the email nor how I could dispute the charges. I emailed them back the same day ( XX/XX/XXXX ) and said that I had proof that the cancellation fee was waived. I received no response. I tried calling today at their listed number ( XX/XX/XXXX ) and nobody picked up. I was leaving for XXXX on the same day I received their initial email and knew that I would not be home in the 10 days they gave to resolve the issue.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-09 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: OK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation