vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22, I called the telephone number on the back of my debit card. It was brought to my attention I have auto pay setup from my checking account to pay my Wells Fargo credit card, however, a supervisor indicated there is an exception to my autopay. In the event my credit card balance is less than XXXX, autopay will not work and I would have to manually make payment. This defeats the purpose of autopay. I want auto pay setup to cover any and all minimum payments to my credit card regardless of the credit card balance. This is an unfair business practice. I am considering filing a legal action against Wells Fargo. I am maintaining a careful record of my communications with you for the purposes of filing a complaint with my Attorney Generals office, Office of the Comptroller and FTC and FDIC, should you not 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 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has charge my Business Account thousands of dollars for consecutive years in XXXX  one year was more than XXXX and next year XXXX they miss use my funds.

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 monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I was looking for a car to replace my elderly mothers death trap of a car for her birthday. I applied for a pre-approval of {$20000.00} on Navy federal credit union. I have excellent credit, XXXX and on XXXX. My only income is from veterans disability, which is more than adequate to pay all my obligations. I got the approval on XX/XX/2022, I immediately drove XXXX miles one way to the closest branch to get the check. Check in hand I find a used car on XXXX for {$14000.00}, I get the VIN and do a XXXX value check. The price came out to match, so I made an offer, did all the paperwork and scheduled a delivery for XXXX  XXXX XX/XX/2022. The whole cost was way below my {$20000.00} cap. 
Delivery day and its XXXX pm, I call to ask wheres the car? They gave me the runaround after calling 20 different people, only to find out that navy federal had denied the check. I call navy federal and they denied it because they said the value to price was below because they didnt use KBB they used XXXX XXXX which said it was thousands cheaper, it was for my protection, not that getting blindsided emotionally distressed and nearly put into a blind rage because they felt this was a bad deal and didnt have the ethics to let me know that because they chose a different guidebook and used it as absolute, over doing an average and honoring the approval check. I now have to use the XXXX finance with higher interest, and jump through all the hoops along with the embarrassing ordeal of having to go through the process all over, the time wasted, sleep deprivation caused by such cowardly disgusting disrespectful conduct! They literally made my XXXX and XXXX XXXX skyrocket in just seconds. Its traumatizing on its own! 

By only using the lowest guidebook as absolute instead of doing an average of the three, literally makes getting a used car absolutely impossible! These are price guides not absolute price books. This whole interaction was unethical and absolutely unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Those thing on my account is infecting my life. I do not wish to have them on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Those thing on my account is infecting my life. I do not wish to have them on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CBC Companies, Inc.
State: AL

Complaint narrative:
It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: LEXISNEXIS
State: AL

Complaint narrative:
It has been brought to my attention that Lexis Nexis has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: GA

Complaint narrative:
* I understand Experian is not a bureau nor are they backed by any government agency. I am aware that Experian in fact consumer reporting agencies have assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances I am aware of pursuit to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As A Third party agency Experian must comply with my written instructions. I have given them my written consent to remove multiple fraudulent and misinformed XXXX from my consumer report! Experian has continued to update my report with no proof of proper verification. Also the accounts are exactly the same! I will be contacting the attorney general in regards to the matter as well. There is no way a proper investigation was done within a 5 day time period to receive these results!

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 2022-01-12 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC
State: AL

Complaint narrative:
I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over 20 points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a letter from Chase bank stating that all my accounts will be closed on XX/XX/XXXX. I have 1 saving, 2 checkings, 1 credit card, and my XXXX children XXXX years and XXXX  years also has an account. I have been with chase since XXXX and I have maintained a good standard with my credit card payment and have not missed a single payment. I have not in any way been involved in any form of fraud or illegal business. I have not exceeded my credit limit and I have maintained less than 10 % credit usage. I feel so bad that chase will wake up one day to close my account and that of my kids. I have been to their local branch for an explanation, but they could not give me any reason. I could the customer service and the agent I spoke with tells me that no one in chase back will ever tell me the reason for deciding to close my account and my kid 's account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express announced that from XX/XX/XXXX they will be offering a {$200.00} hotel credit for prepaid bookings made on their XXXX XXXX & XXXX XXXX I prepaid for a booking at The XXXX XXXX on XX/XX/XXXX for {$340.00}. 

Amex had initially credited {$200.00} for previous bookings ( before XX/XX/XXXX ) I made, but, ultimately, I had to cancel those trips due to Covid. They debited the credit for previously canceled bookings but never re-applied the credit for my still open XX/XX/XXXX booking, which I then completed on XX/XX/XXXX. Their automatic crediting system failed to see I had made another eligible booking for which the {$200.00} hotel credit should be applied. I raised this concern to Amex and had a rep manually issue the credit, but I only received {$110.00}. Im still missing {$85.00} of the {$200.00} promised to me in XXXX for spending on their online travel agency. 

I raised this problem to Amex again saying Im missing {$85.00}, but they concluded on XX/XX/XXXX that Im not owed anything more because the full {$200.00} was issued. This is categorically false. The backend team failed to tally up all the times the credit was applied and reversed and see that Ive been net awarded {$110.00}, not {$200.00}. They couldnt even tell me what the date is of when the full credit was issued. I have raised this up with them 5 times and have been waiting 5 months for a fair resolution. Amex is encouraging customers to spend on their luxury XXXX while promising a {$200.00} rebate as part of paying a {$690.00} annual fee, but their booking system cant handle when a customer books and makes adjustments to their travel plans. Its frustrating and anxiety inducing to use this benefit for fear that theyll conclude the customer is not owed anything, yet theyve still collected all their fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX  XXXX is trying to collect a debt that they say that i owe but my insurance paid it and i dont no why they're trying to collect a debt and they are violating Hippa because they shared my information with some other party and they didn't even send the hippa transcript as well so I demand that you all delete this from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 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 Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates
State: MS

Complaint narrative:
I have filed numerous complaints about this debt. I refuse to pay {$3000.00} + dollars for something I dont owe. This debi collection agency provided me with documents that I found in my email. I never signed for anything of this amount. I remember purchasing a television from a place right before the storm. It was a 55 television from XXXX XXXXXXXX in XXXX XXXX. I never brought anything else. This is not my account. The signature is not mine and I am not paying for something I dont owe. This company is a fraudulent company. The only other loan I took out was with XXXX XXXX  for {$1000.00} in 2013. I paid it back within 30 days. This documents does not contain my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I RECEIVED A LETTER IN THE MAIL FROM ONE OF MY XXXX  AND IT WAS A LETTER A COMPANY CALLED CCS COLLECTIONS. I CALLED THEM AND SEND OVER A POLICE REPORT AND ALSO CALLED THE XXXX AND IT WAS DIMED AS FRAUD. NOW THE COMPANY PUT A FRAUD ACCOUNT ON CREDIT FILE WHEN THEY HAD PROOF IT WASNT MINE. I LIVE IN SC NOT NC AND IM XXXX IN SC SO I CAN I HAVE A NC AUTO POLICY. NO ONE THERE CARES AND CLEARLY ITS ALL ABPUT THE MONEY.. I WILL SUE AND IM A XXXX XXXX IN XXXX SC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT 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 2022-01-12 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 HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any Influence from any third party or agency. Please see attached documents & ID. Repossession company is an unauthorized 3rd Party. They were not a witness to contract. Infringement is on my right to privacy. How did the repossession company get my address? Who gave them permission to contact me at my location? I put in a cease and desist order. Third parties can not take my car, its breaking the law. Why would they pay me the difference on a vehicle they claim they own? Attached is notice of repossession letter by United Auto Credit Corporation to prove theft, fraud, and identity theft. A XXXX came to my home and stole from me. United Auto Credit Corporation sent a letter stating theyve sent an unauthorized third party to my home. United Auto Credit Corporation has no present right to possession of the property claimed as collateral through an enforceable security interest as I, have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. United Auto Credit Corporation threatened to seize and has taken my property as show in Attachments. Which is a direct violation of 15 U.S.Code 1692f ( 6. Also advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission.

Company response to consumer: Closed with explanation