vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am submitting complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
Carmax reported me late for XXXX & XXXX of XXXX to the 3 major credit bureaus. I was not late. I disputed the adverse reporting multiple times & Carmax Credit Maintenance Dept,  has refused to update the reporting. The adverse reporting dropped my XXXX score thus preventing me from being approved for a home loan. I was late in XXXX of XXXX, but was told that the adverse reporting would not be reported due Carmax not reporting to the major credit bureaus from XX/XX/XXXX- XX/XX/XXXX due to a major system issue and update. 
Per the Carmax instruction page, " If you have concerns regarding information about your CarMax Auto Finance account, please contact our Customer Service team at ( XXXX ) XXXX. '' I've called 3 times, the 1st CS placed a dispute, ( this was in XXXX can't recall her name ) the second attempted to connect me to the credit maintenance dept ( XXXX XXXX but she was told " since Carmax couldn't report during those months they used another month even if I was current in that month and therefore they won't update the adverse reporting. I spoke to a manager ( XXXX XXXX who placed another dispute. She requested they update, XXXX of XXXX to reflect as late and the adverse reporting for XXXX to be corrected as, " paid as agreed. '' This is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Had a mortgage with USBank, they recommended opening a checking and savings account too. While opening these accounts, the branch staff in XXXX XXXX, CA branch specifically promised me that there would not be monthly maintenance fees. 
During summer of XXXX, I refinanced my mortgage loan. 

I rarely used but maintained about {$3800.00} in checking and about {$25.00} in savings. 
Then USBank silently started charging {$24.00} per month on my checking. 

I realized just last week that {$200.00} have been taken out of my account and on top of it they had made the account dormant too. 

So in summary for a dormant checking account, USBank was doing a daylight robbery of {$25.00} per month citing maintenance! 

I tried to reason with local branch manager and their telephone support, after much persuasion, they reversed just the last 3 months.. thereby keeping the loot of 5 months. i.e. {$120.00} still remains with USBank. 

Requesting CFPB to kindly work with USBank and recover my money back. With pandemic, I am barely recovering lost finances. Any help from CFPB is much appreciated. 

Thanks and Regards XXXX XXXX, XXXX ( cell ) 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 2022-05-19 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: Chime Financial Inc
State: SC

Complaint narrative:
I am an account holder with Chime, and I reside in South Carolina. On XX/XX/2022, I found a charge of {$220.00} on my checking account. I did not recognize this transaction at all. At the time, I was at my job, and knowing this had to be a fraudulent charge, I went and purchased a soda so that when my account would be investigated later, they would see purchases throughout the day coming from SC, which would make the fraudulent transaction appear abnormal to them. 

I contacted Chime, and they found the transaction was made at XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX. XXXX, KY XXXX. I was instructed to wait until the transaction was officially posted, so that I could file for a dispute. On XX/XX/XXXX, I called Chime customer support to file the dispute. I provided the information that was asked of me, and was told they would investigate my claim. That same night, I received an email that they concluded there were no fraudulent charges, and that I would not be receiving a refund. 

On XX/XX/XXXX, I emailed Chime customer support, with a detailed description of the events, including images showing dates, time, and purchases, that would seemingly prove I was not the one that made the {$220.00} charge to my account on XX/XX/XXXX. On XX/XX/XXXX, I received a response that I had provided no new evidence to support my desire to reopen my case. They offered to send me the documentation of their investigation, which I accepted. 

On XX/XX/XXXX, I received their documentation. They did not reach out to the merchant at all during their investigation, which appeared odd to me. Their evidence reads as follows : no account takeover hallmark, disputed transaction is card present transaction process without any fall back errors or suspicious decline codes associated with the disputed transaction, balance exhausted but not over to the XXXX XXXX which suggest that cardholder is aware of the XXXX XXXX, there is a frozen and unfrozen of the card ending within the disputed transaction, no fraud alert, cardholder has funding event prior the disputed transaction through card to card. I did not feel that this was enough evidence to support their decision, especially as several pieces of my evidence directly contradicted their evidence. 

On XX/XX/XXXX, I reached out to Chime support to raise my concerns over the validity of their investigation. I received a generic response claiming they would open the investigation if there was new evidence. On XX/XX/XXXX, I made one final attempt to contact Chime support. I requested that my email reach someone with the authority to help me with my case. I made myself clear that if I did not get a response from someone willing to help me, that I would file complaints to the CFPB, as well as any other applicable institution. I received another generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2022, my bank mailed a payment to my mortgage company for the XX/XX/2022 payment. The company received the check on XX/XX/2022 and has not applied the payment. They are now charging me a late fee. 

On XX/XX/2022 a payment was sent for the XX/XX/2022 payment. The company received the payment on XX/XX/2022 and waited until XX/XX/2022, nearly three weeks later to apply the payment. 

This company continues to do deceptive things to trick homeowners into additional fee. I have called and asked to speak with a supervisor and no one calls you back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX and XXXX XXXX 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
The collection account has been sent 2 times to the credit reporting agencies on purpose after I sent a letter to GRANT MERCANTILE AGENCY for them to stop harassing me. Additionally, HIPAA and State of California Medical Privacy Statutes further protect my protected health information, GRANT MERCANTILE AGENCY is in violation. Ive asked GRANT MERCANTILE AGENCY to close and remove this account, instead, they opened another false account and are practicing extortion techniques. 

GRANT MERCANTILE AGENCY has opened first account XX/XX/XXXX in an amount of {$3700.00}. Now GRANT MERCANTILE AGENCY has created a bogus account on XX/XX/XXXX in an amount {$3700.00}. Now the total debt looks like I have {$7400.00}. GRANT MERCANTILE AGENCY is a SCAMMER. 

On XX/XX/XXXX Ive requested the following from GRANT MERCANTILE AGENCY : 1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies, partners or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours.

b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 

GRANT MERCANTILE AGENCY still continues collection attempts but is doing so through extortion by sending the same debt to credit reporting agencies so it appears I owe thousands more than the original amount, GRANT MERCANTILE AGENCY is sending bogus duplicate information in order to continue their extortion practices and explicitly violated the Fair Debt Collection Practices Act, the Fair Credit Reporting Act along with HIPAA and several other state and local regulations.

I ask your help to investigate GRANT MERCANTILE AGENCY. This business is malicious and does not comply with the California law. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2022 I made a withdrawal in XXXX Wells Fargo store with the amount {$4100.00} from my checking and {$10000.00} from my saving accounts. The next day, XX/XX/2022 I made another withdrawal of {$7000.00} from my checking account. 
On the same day, XX/XX/XXXX, I received a text message from number XXXX stated : Wells Fargo-Bank : According to Our Anti Fraud Your Debit/ ATM Card is Under Review, To verify Your Identity Follow XXXX XXXX XXXXXXXX. 
I thought because of my large amount of withdrawal, Wells Fargo put my card under review. I clicked on the link and provided all the information without thinking. I provided the picture of my Debit Card, typed in my ATM PIN, provided my Social Security number and the picture of my Driver License. 
On XX/XX/2022 I noticed all the strange transactions on my debit card was spent at XXXX, the total of {$5800.00} including {$1000.00} at ATM machine. 
I reported to Wells Fargo on the same day XX/XX/2022 about the unauthorized transactions. I also reported to XXXX Police Department and filed an Identity Theft Report on FTC site. 
On XX/XX/2022 Wells Fargo called and left me a voicemail saying that my claim was denied, and all the transactions were made by me or someone who had my permission. 
I disagreed on the decision they made. I called Wells Fargo on the same day XX/XX/XXXX, to explain what happened and how my Debit card got hacked. They suggested me to send a police report to support my claim and write an email to cardclaim@wellsfargo.com to ask to reopen the claim. I contacted XXXX Police Department to provide me the report. Unfortunately, they couldnt release the report since the case is still in active. 
On XX/XX/XXXX, i sent an email to Wells Fargo explained the situation with attachments of the scam text that I received on XX/XX/XXXX, my Identity Theft Report and the email from XXXX Police Department saying that they couldnt release the report. 
On XX/XX/XXXX, I received an email from Wells Fargo ECMO saying that they have started their research on my claim with new claim number. 
On XX/XX/XXXX, Wells Fargo responded to me that they denied my claim again. They concluded that their systems show my debit card and PIN were used as identification and they determined the transactions were authorized by me or by someone authorized to use my debit card and PIN. 
Under penalty of perjury, I declare above information is true and correct to the best of my knowledge.

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 2022-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This account with TD XXXX was handle, by an Attorney with XXXX XXXX XXXX XXXX, the account was Dismissed. Plus XXXX XXXX been Deleted This account, But I don't know why it is still lingering after. 3 years. 
Now i get a letter they have sold the account XXXX XXXX XXXX XX/XX/2022. This is why people credit is messed up now, because it is allowed for charge Off, Paid Off & Dismissed Account to resurface. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want be contacting anybody else regarding this ( Fraud Activity ) except The Federal Trade Commission next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I requested a ten day pay off on XX/XX/2022. After many many phone calls and complaints, I still haven't received my ten day pay off form. I've attempted to reach managers to no avail. In addition, I've requested a pay off each day since XX/XX/XXXX and those have all been closed by the company. The company states they sent it via email almost two weeks later but I never received anything. Now that all of my requests have been closed, I have to restart the process. Everytime I contact this company they try to apologize and open another request. I feel like I'm running in circles and my hands are tied. Nothing is getting done. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  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 2022-05-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  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 2022-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: IL

Complaint narrative:
Aqua finance closed the previous complaint and there wasn't a resolve. 

They lied through their teeth. The representative from Aqua, his name is XXXX called me and I explained my issue. He basically stated that they're just the finance company. So they wasn't there the Sales Man said it was a {$54.00} payment that would be paid over 5 years no interest was never discussed. 

If this isn't resolved in 14 days I would file a small claims suit, as I was deceived and this is considered to be the sales man was being deceitful purposely. 

Please review the attachment Aqua 's representative has stop responding. If it's not same as cash. I will stop paying this bill and I intend to file a complaint with the FTC and XXXX  by XX/XX/XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I got a text message in my XXXX saying that " VenmoAlert : You recently attached your checking account to Venmo for a transaction of {$720.00}. Contact Customer Care XXXX if not initiated by you. I called the number and they got access to my banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have already made a complaint but you have closed as if its all done. 

The complaint Number was XXXX I gave feed back that I wasn't happy with the bank doing nothing at all to help me pay the credit card off, I gave feed back to CFPB saying I want it sorted out as the bank basically said if I don't pay then my credit rating may be effected, I get emails from them saying Last chance : Your credit card account will be charged off if we dont receive a payment of {$53.00} by XXXX XXXX. Eastern on the last business day of the month. 

I simply need a bank account number from them so I can internationally send them the money but they say they can't give it to me. 

This is so stupid the BOA have access to hundreds of million accounts, I asked if they could open a account in my name and they can shut it as soon as I have paid it all off, they said no they can't do that. 
I said to BOA surely a bank manager or Director could give me details of an account number I can send the money to them and they could simply pay the credit card off, I was told no. 

Please read my feed back to you as I explained it to you there in further details. 
I am not happy that the BOA are giving me no way to pay them, it was they who closed my chq account which I used to make payments of the credit cards. 

I can't understand why its so impossible for me to make a payment to them, I'm sure if I owed them XXXX XXXX they would find a way. 

Please reverse the closure of complaint Number was XXXX Thank you for understanding I AM WANTING TO PAY OFF THE ENTIRE CREDIT CARD but BOA will not give me the means to do that.

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 2022-05-19 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: CA

Complaint narrative:
I sent letters on XX/XX/2022 to Experian, XXXX and XXXX about unrecognized negative items on my credit report and have not received any Information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

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 2022-05-19 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to a car dealership and they said they were only going to pull my credit one time and they pulled it multiple times without my permission! I don't recognize the other inquiries listed.

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 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Creditors Specialty Northwest, Inc.
State: OR

Complaint narrative:
I returned a call from creditors specialty northwest incXXXX on XX/XX/22 and advised of a debt with my daughter for a rental. I was told, after the person went through a list of names before getting to my daughter, that they had spoken to her on XX/XX/22 about a settlement and that my daughter stated that she was going to look into getting a loan. I was then advised that I was going to be affected and that her boss told her not to play around with us and he would just sue us. I ended the call at that point, sent an email to request a conversation with her boss and am now filing a complaint for being threatened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation