vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Brought a XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX ) from XXXX on XX/XX/XXXX using XXXX XXXX company " Capital One Auto Finance '', we received the XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX and have had possession of it ever since but we have no title. 
We pay {$610.00} every month to Capitol One Auto Finance and still have never received the title in order to legally tag ' the XXXX so we CAN NOT drive it!! 

We have filed as many complaints against XXXX as we can ; filed with the TXAG, Consumer reports and TXDMV and it is now XX/XX/XXXX ( almost 1yr later ) and still no title. 

After an investigation performed by the TXDMV -Enforcement Division- it was revealed that evidence of violations related to the laws/rules they regulate were observed. My complaint to them has said to have been forwarded to the attorney assigned to this case and he will make the final determination on what disciplinary actions-if any- will be taken. 
Weve never received any communications from any lawyer nor anyone else in this matter and we still have no XXXX title. 
We have had to hire an attorney at XXXX XXXXXXXX to work on this but he's not come up with anything yet either. 

On XX/XX/XXXX TX DMV told me the title was now in XXXX and a new title was issued for the XXXX in XXXX on XX/XX/XXXX! 

Can someone please help us -- this is our XXXX XXXX, weve installed a hay-bale bed on this XXXX  ( so we can not return it ) and we need to feed our cattle hay and drive it legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have tried to take off fraud alerts from all three bureaus and have had trouble, I want all fraud alerts and statements deleted from all three of my credit bureaus

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 2022-09-06 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: MA

Complaint narrative:
So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX XXXX : XXXX Transunion : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-09-06 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: MA

Complaint narrative:
So i sent a letter off on XXXX XXXX. Here is my tracking numbers : Equifax : XXXX XXXX : XXXX XXXX  : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
Problem 1. 
i woke up to a XXXX point drop in my credit score. When u called trans union they explained to me that XXXXXXXX XXXX  reported i owed them XXXX dollars. But they reported that back in XXXX, and dropped my credit score then. It should not now be randomly dropping my credit score again months later and definitely NOT XXXX points. 
So then i asked about that the rep then continued on to say i was over my credit limit on my XXXX XXXXXXXX XXXX. Well thats Not true. Then he says well this Was back in XXXX, last year. Again, my credit score was already dropped last year because of that so why now randomly out of the blue youre saying Im over my credit limit. 
I fought covid in XXXX and for three months struggle to get things back. 
You can not drop my score at the time of the changes and again now almost a year later. 
I have a XXXX XXXX on there from XXXX. In which i disputed because my contact with them was for XXXX dollars a month and they continued to charge over XXXX a month. They breeched that contract not me. You dont get to sign a contract for a specific amount and then charge whatever you want. Life dont work that way. 
I had XXXX XXXX removed from my credit score back in XXXX  and now theyre back on there. 
Trans union could not explain to me why i was being dinged for things that Ive already taken a hit for. My score was XXXX before covid and i cant continue to take songs on my credit at any random time for any random reason. 
I accept that my credit score tanked when i had covid. I dont accept being singed twice for the same things. And for XXXX whole points. 
I called and the rep could not answer any of my questions, just kept reading off some script of how the credit system works. Im XXXX i know how the credit system works. Then rep hung up on me when i got upset. 
If you have customer service reps who cant deal with upset consumers then they should not be working in that field. Im upset, deal with it, its literally your whole job. Now my credit score is so low that i cant even provide a roof over my kids head. STOP DOUBLE DIPPING MY SCORE.

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 2022-09-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are multiple problems on my credit and I am attaching a letter to descibe all the problems with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
I received a notification today that my credit score dropped by XXXX points from one credit bureau because of a new account appearing. This was entered from Franklin Collection XXXX, located at XXXX XXXX XXXX XXXX, XXXX. MS. XXXX, with a phone number of XXXX. The information Franklin Collections placed on my credit report is falsely incorrect, stating I had an account opened with XXXX in XXXX XXXX which on my credit reported, they reported XX/XX/2022. With no further documentation being provided, proof of an ccount, I've haven't ever done business with Franklin Collections & do not owe them a debt, nor did I have XXXX, during this time frame, nor reside at this address. Yet, they're claiming {$120.00} to be paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I worked for a qualifying employer from XXXX and have submitted the ECF multiple times. Fedloan Servicing is only giving me credit for XXXX. I have contacted them about this repeatedly over the past two years. The old excuse was it would take a few months to update. The current excuse is that USDOE does the payment count for TEPSLF. I submitted a request for reconsideration with Federal Student Aid last month and have heard nothing. The NYS AG filed a lawsuit against Fedloan Servicing and the agreement states that borrowers are entitled to a recount of payments. After waiting on hold for over two and a half hours today, the representative claimed that I can not request a review or recount, which is in violation of the lawsuit agreement. I want my payments recounted and I want credit for XXXX. I believe I would qualify for PSLF if my payments were accurately counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
since XX/XX/2022 I've noticed on Equifax.com my credit score and only 1 card reporting in my history was not mine. I reached out to Equifax whom advised me that they see the issue with my online as they can visually see all 7 open accounts reporting on the backend on their system, who then assured me the issue will be fixed within 24hrs once we disconnected the call. in XX/XX/XXXX I applied for a loan which I was denied for as the lender advised I have no score with Equifax and history shows only 1 account. I called Equifax on XX/XX/XXXX as I remembered this was the same issue I was assured that was fixed back on XX/XX/2022 that was not fixed! I stayed on the phone 3hrs after being transferred and hung up on ; I worked with XXXX who told me that there was clinch with the company as she see all my accounts as we went over ALL 7 reporting accounts and disputed the account that was not mine. which since then was removed. after waiting 3 hours the agent advised that this something that will take longer and will have to call me back within 72hours. XX/XX/XXXX I called as to get an update, I was advised that it was fixed XXXX. I checked my credit report while on the call and only one account was reported back and 1 account XXXX XXXX XXXX XXXX  ) that was not mine was added back. they told me there's nothing can done as they can't see my history anymore on they're side. and that I would have to tell all my creditors to report my payments to Equifax. I told them all my creditors never stopped reporting to Equifax. instead Equifax erased my credit history and stopped reporting my accounts no my creditors. The agent was very rude nonchalant advised there's nothing else that can be done. I asked to speak with a supervisor she stated that she is the higher up the ball stops here with her. I asked 4 more times she finally stated that she has a superior but he is very busy with other calls I can leave a request but he most likely won't call me back. I was in disbelief that a company that has access to a person livelihood can be so inconsiderate unprofessional non helpful and deliberately make you feel that your issue does not matter when Equifax is at fault for erasing my history. I put the request in and called back to try to speak to a supervisor and im currently now on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I contacted customer service in regards to a settlement offer I received on my Milestone Card, they received a payment on XX/XX/XXXX for the settlement amount of {$350.00} but have not closed this account out and are not trying to get a payment from me for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/XXXX - the following debits were posted to my Wells Fargo account - all of the debits are from XXXX in various amounts XX/XX/XXXX. XX/XX/XXXX {$150.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX {$350.00}, XX/XX/XXXX XXXX, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$300.00} I filed a claim with Wells Fargo on XX/XX/XXXX because neither myself nor my spouse authorized these charges. Today I found out WF denied my claim saying 1 ). The charges stopped after I notified them. They sent me a new debit card, thats why the charges stopped. The total amount of these charges is {$7600.00}. The reference number for claim is 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 2022-09-06 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: NM

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-09-06 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: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
This company is reporting information this is fraudulent from XXXX XXXX XXXX and XXXX XXXX XXXX asking for a debt that is in litigation for reporting a debt for a account that isn't mine and for reporting information that was not verified before obtain in my personal identity after place a extended fraud alert on my credit report for 7 years and XXXX XXXX alert when I was XXXX. Please hold this company responsible for placing information that is not being verified before place on American credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NM

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-09-06 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: NM

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank charged {$5.00} dormancy fees on multiple accounts I hold with them ( a checking and a savings account ). It is my assertion that in doing so, Fifth Third engaged in unfair and deceptive behavior : ( 1 ) the fees were not disclosed when the accounts were initially opened ; ( 2 ) account statements were not provided to me; and ( 3 ) my online account access was locked preventing me from discovering and preventing such fees. 

A significant portion of the period I was being assessed such fees occurred during the pandemic when branch access was limited/restricted. I have many online banking relationships that can be accessed entirely remotely. Requiring a customer to visit in-person is an unnecessary burden seemingly designed to frustrate a customer 's ability to exercise control over their account and maximize Fifth Third 's fee revenue. 

Furthermore, the fees imposed against one of my balances represents ~50 % of the original account balance. Imposing fees of this magnitude is punitive and unconscionable. This raises serious doubt whether Fifth Third is appropriately discharging their fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
on XX/XX/XXXX, I lost my Bank Of America ( debit and credit ) cards and drivers license. on XX/XX/XXXX I got notification that someone used my debit card amount of XXXX XXXX on XX/XX/XXXX, I informed the bank about incident. In two days I reported the police department too. report number is XXXX in one week later Bank of America credited the money amount of XXXX XXXX And on XX/XX/XXXX, I got Letter says that on XX/XX/XXXX Bank Of America will be removed the amount credited earlier. In the letter they mentioned that the charge was authorized by me or by someone who has permission to use the card or account. I tried to contact customer support but they could not solve my problem. The next step was escalation of the dispute ( XX/XX/2022 ). And the result was negative. They did not approved my claim. 
And addition to these once I spoke with their supervisor they said they are unable to help me on this case. Thanks for your consideration in advance.

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 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX, with account number XXXX, all 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf.

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