vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I originally obtained a loan for {$2400.00} from loanmart an payed it down to the last payment an was asked if id would like to take another loan because i paid this one off. One the same vehicle i decide ok that ill reloan the full amount. This was right before the pandemic an i believe i owed XXXX left an was {$14.00} dollers short on a payment an called to explain this. A Manager named XXXX got on the phone an told me " I was pathetic an that if i didnt pay the {$14.00} dollers he would come get the car an leave me an my kids walking in the rain. He said this laughing. Then other stuff like i hope you cant pay the {$14.00} dollers because ill do everything in my power XXXX just to make your XXXX walk '' At that point ibsaid Sir ive had enough of the threats to the point just come take the car then i hung up. They called me back from a cellphone immediately an said this '' XXXX, Ill burn your XXXX house down an leave your XXXX walking lol dont you know we have your address '' what he disnt realize is i had recorded it because i had a bad feeling it was them calling an i was right. The next day i called again an a female representative answered i explained to come get the truck an that everything was ok with it that i took the battery out of it but will put it in. She then said sorry, We cant take the truck because you said it was missing parts? Which i then stated mame the truck is in perfect oder an i dont want to be threatened anymore. She then states i owe {$15000.00} for the {$1800.00} i had left to pay. A couple representative contacted me afyer that an i played the recorded tape for them an they quietly apologized an hung up 3 different times.3 years goes buy an i hear norhing, I eventually get a different phone an no longer have the recordings as evidence because i thought because they threatened me an i clearly proved it to them that a manager threatened me on the phone the mattwr would be closed. Nope, Almost 4 years later im hit with a garnishment of my wages saying i owe XXXX for the XXXX i only owed them. How did it get to be that much? An why you think its ok to say ull burn someones house down is ridiculous over {$1800.00}. The manager that called me once knew exactly who this employee/Manager was who called me an told me this person was fired shortly after due to his unprofessional behavior an even apologized. I dont deserve this an i already paid one full loan an would have paid this one had i not been threatened an then after that my truck was towed away. So they towed the truck an still want all that money? Then stated they never towed it when we watched the tow truck come 5 days after that convo.. They are scam artists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: OH

Complaint narrative:
I received a mailed letter from American Coradius International claiming I have a debt from XXXX of XXXX dollars as of XX/XX/23. I confirmed with XXXX that nothing linked to my unused account shows a balance or debt ( confirmed with transaction statements ). They stated that anyone can use someones name and social to start an account because there is no verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these items ASAP.

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 2023-07-31 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: CA

Complaint narrative:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also these inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Please remove these items ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a Wells Fargo customer for 15 years. I have 44 business accounts and a personal account with them. I also have two XXXX lines of credit and 3 credit cards. I also have my home mortgage with them. Out of the blue today I had an XXXX call and say that they wouldnt cash a check. I called the bank only to be told that every single one of my accounts was being closed due to a business decision by the Loss Prevention team.

I called the Loss Prevention team and they have no answers. I spoke to four different supervisors and they all say thats its outside their control and that I did nothing wrong but that they are making a business decision to close my accounts. I have multiple partners in these companies and decades of automation work put into these accounts. I XXXX almost 2k people. They immediately shut down my lines of credit and credits cards. They tell me I have until XX/XX/XXXX to move every single account. 

Im totally dumbfounded and have no idea how something like this could happen. The amount of work that it is going to take to change all my banking is staggering and it would be a miracle if my team and I can accomplish this by the date they gave me. 

I feel violated and feel like Im being treated like a criminal for being an XXXX. If I had some sort of answers I could walk away and move to another bank but to just randomly do this after 15 years of business with them is shocking. Any suggestions would be greatly appreciated.

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 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank has refused to provide me with temporary credit as I had disputed a few transactions. Specifically, the transaction in the amount of {$64.00} from " union '' was disputed because the merchant said a refund would be made within 10 days. It has been over 10 days since I received notice of the event cancellation, and I had shared these details with Chase Bank. Chase Bank refuses to accept any documentation or other evidence from their customers, and only accepts documents through fax. I do not have a fax machine, and I do not have a vehicle for transportation. They do this on purpose to minimize their obligations to adhere to federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I received a mailed letter from XXXX XXXX XXXX claiming I have a debt from PayPal of XXXX dollars as of XX/XX/23. I confirmed with PayPal that nothing linked to my unused account shows a balance or debt ( confirmed with transaction statements ). They stated that anyone can use someones name and social to start an account because there is no verification process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX has two fraudulent accounts on my experian and XXXX  credit reports, these accounts are not mine please remove these accounts, my name has been used and compromised, im filing this complaint and attaching a ftc identity theft report to this complaint, I am now suing several companies for opening accounts with out my permission, I will seek legal action if not taking off my credit reports XXXX, do not ignore this ftc identity theft report it acts the same way as a police report, it is signed be me and it has a case number attached

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 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I had a loan with XXXX and I have all of my payment history to attest this. When I attempted to pay off the loan between the XXXX and XXXX payment to clear the entire account XXXX denied the payment XXXX  times and falsely reported to to the XXXX credit bureaus that I stopped making payments in and sold the closed account to Velocity Investments who bought it illegally. XXXX breached contract and Velocity Investments is now suing me in court since then I have not had a proper service of this which violates my rights to a due process. They claim I breached contract with Velocity Investments and they are lying on court documentation to obtain a debt not due to them. I need assistance with this matter as This is not the original creditor and the original creditor denied pay Off to violate FCRA and report negatively on 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 explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been making my payments on time and also paying extra money towards my bill. But seems like I'm not getting anywhere with the bill. It's like the bill is steading going up and not down. If anyone is considering CareCredit, I would tell them to really think about it because you will be paying them forever.

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 2023-07-30 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 have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts 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 604 A section 2 also states a consumer reporting agency can not furnish 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.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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 have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts 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 604 A section 2 also states a consumer reporting agency can not furnish 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.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!

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 2023-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a high interest bearing Money Market 360 account with Capital One Bank many years ago. I recently logged in and calculated my interest rate for my account it was 0.8 %. Formerly it was over 4 %. 

I contacted Capital One Bank to determine why the interest on my account was now so low when the advertised rate is 4.3 %. They stated I would need to open a 360 Performance Savings Account to get that rate. 

My issue is that Capital One stopped paying competitive interest on legacy accounts without notifying customers that they would need to open new accounts to obtain competitive interest rates. This has likely cost me hundreds if not thousands of dollars over the time period they made this unannounced change to my interest bearing account. I can only imagine how much Capital One has profited by downgrading existing formerly advertised high yield savings/money market accounts without notifying the customer of the change or the ability to change to a comparable high interest account. In effect, Capital One has been cheating customers for an undetermined length of time. There is nothing to stop them from doing this again to cheat customers and pocket the difference until the customer happens to check their investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: R & B Corporation of Virginia
State: MI

Complaint narrative:
XX/XX/2020 contacted company to help them understand I am am not familiar with the merchant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Complainant, XXXX XXXX XXXX has received XXXX ( XXXX ) debt collection letters from respondent, Stenger & Stenger , P.C in 2023 of an allege debt that is not owed. 
Respondent has not stop attempting to collect the alleged debt directly and or indirectly. 
Stenger & Stenger , P.C is a debt collector and has willfully violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 805. Communication in connection with debt collection ( a ) Communication with the consumer generally, without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, violation of Debt Collection Practices ( Regulation F ) and The Georgia Fair Debt Collection Practices Act. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
XXXX XXXX has disputed the total amount alleged owed to XXXX XXXX XXXX in the amount of [ {$11000.00} ] dollars. The alleged amount of [ {$11000.00} ] is being disputed in its entirety. XXXX XXXX has responded timely, disputing letter dated XX/XX/2023 and received on XX/XX/2023 via regular mail, XX/XX/2023 and or about XX/XX/2023. XXXX XXXX has timely disputed the alleged amount due and requested Stenger & Stenger , P.C to cease-and-desists all collection attempts directly and indirectly. Stenger & Stenger , P.C have not cease-and-desists all collection attempts directly and indirectly after receiving proper notice in accordance with the law. 
Stenger & Stenger , P.C is harassing XXXX XXXX to pay an allege debt that is not owed to XXXX XXXX XXXX. XXXX XXXX XXXX is a debt purchasing company that purchase alleged debts from close accounts, that either have been paid and or written off. Stenger & Stenger , P.C is aware of this and still attempting to collect an alleged debt that was not properly verified and that is not owed to XXXX XXXX XXXX. 
Stenger & Stenger , P.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Letter sent to the Chase Bank Fraud dept. on XX/XX/XXXX : This is the second time my Chase credit card has been fraudulently used in the amount of {$5000.00}, card # XXXX XXXX XXXX XXXX. I called the Chase Card Compliance dept. on XX/XX/XXXX to close my credit card permanently. I don't think my Chase Credit Card was closed permanently on XX/XX/XXXX. I now know my card was closed permanently on XX/XX/XXXX. How did this happen when I was trying to be proactive and close my account on XX/XX/XXXX? 

I had a fraudulent charge on XX/XX/XXXX in the amount of {$5000.00} with a previous card. I subsequently closed the credit card due to fraudulent usage. This was a fraudulent transaction based on the following from the XXXX  Financial Conduct Authority ( FCA ).

The XXXX  Financial Conduct Authority ( FCA ) has issued a warning against XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX XXXX Subsequently, consumer protection sites ( see XXXX ) and regulators in XXXX and other countries have also warned against the scam. The warning has disappeared from the FCA website, but many other websites on the Internet still reference it. 

We assume that XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) lawyers have intervened with the FCA. Fund Recovery is just not a business that requires a license. It is also, unfortunately, unregulated.

In the view of the somehow damaged XXXX XXXX brand, it makes sense to work through the partner XXXX XXXX

Company response to consumer: Closed with explanation