vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as misleading information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  - Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: OR

Complaint narrative:
I went into a XXXX XXXX XXXX branch located in XXXX, OR. I originally filed for a business checking account and was approved by using myself as a personal guarantee for the created file. Since the actual product is not on my personal account with the bank this hard inquiry shall be removed since the services are being used for my business.

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 2021-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am currently leasing a XXXX XXXX XXXX vehicle financed through Hyundai Motor Finance ( HMF ). I want to buy out my lease according to my lease contract, however the payoff generated through their website is attempting to charge me sales tax despite electric vehicles being exempt from New Jersey state sales tax. I did not pay any sales tax to the dealership and businesses are barred from collecting sales tax on certain vehicles ( this one included ) sold in New Jersey. 

I spoke with HMF on Monday ( XX/XX/XXXX ) and explained the law and that the vehicle was exempt from sales tax and they told me there was no way for me to buy out the lease without paying sales tax. I called back again on XX/XX/XXXX and spoke to another agent who asked me to forward documentation from New Jersey explaining the vehicle was exempt. On XX/XX/XXXX, I faxed them NJ form XXXX ( https : XXXX ) and a registration and titling document that I retrieved from the dealership, showing that no sales tax was paid and that it was exempt. 

I called HMF again today ( XX/XX/XXXX ) as I have not received a correct payoff information and I was told there was no way for them to generate a payoff form without sales tax and that if I wanted to not pay sales tax I would have to go through a dealership. However, no dealership is willing to assist me in buying the car without charging additional fees not stated in my original contract.

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 2021-11-19 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: GA

Complaint narrative:
Back on XX/XX/XXXX, I was frauded for {$2500.00} from my Bank of America Bank Account. I did not know and luckily checked the account the next morning on XX/XX/XXXX and saw that a person by the name of XXXX had XXXX themselves {$2500.00} to ( XXXX ) XXXX. I never do big XXXX amounts above a maximum of {$1000.00} which is for my rent and when I looked it up the number is a North Carolina number, I do not know anybody from North Carolina. I reached out to Bank of America and they did the usual and provided me with the stolen funds while they did the investigation. During that time I never got any emails nor any calls to look further into this. So I did, and it turns out the same day XXXX broke a story saying that they had a huge data breach. I tried to tell Bank of America all the things that I am writing down. What they told me was that I was the one who verified the transaction and there is not much I can do. They then took the {$2500.00} which negatived out my bank account as I needed that money to pay for my College/University . I had to take a private loan in order to pay for my school... Now I have a closed bank account due to fraud and a bank account occurring fees as it's in the Negative. I would never do something to mess up my bank account as I have been using Bank of America since I was a Kid and always tried to maintain a great standing with them. I am writing to the CFPB to try to get this resolved as soon as possible as it is the holiday season and Money is getting really tight. Bellow are the links from XXXX themselves that they did not even look into. They told me to present it and then they could look into the incident again. But never did, so I am putting them here. 
I also have Screenshots of the links in case they break or become dated... 
XXXX Data Breach Links : XXXX XXXX XXXX XXXX Data Breach Links XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
I was denied an extension of credit through XXXX XXXX XXXX on XX/XX/2021 due to XXXX furnishing inaccurate information on my report that was later deleted. the inquiry that discover mentioned in their letter of denial was because of a company called XXXX which you will see in the documents uploaded. Also after reviewing my most recent credit report that was sent out to me, I discovered even more inaccuracies not to mention i noticed XXXX XXXX showed up a few times and i never reached out to them for any credit purposes, so why are they accessing my information? Everything that was deleted ranged from names, addresses, phone numbers and hard and soft inquiries. 

This made me feel cheated because these companies are supposed to make sure we dont experience these things and then this happens. I suffered so much as a result of this from being denied credit making it seem like I have a bad reputation and not responsible. This caused me sooooooo much XXXX XXXX and XXXX XXXX and lXXXX XXXX XXXX  amongst other things when i learned what XXXX has willfully allowed to be put on my report despite the fact that it didn't even belong to me and was later removed after reaching and speaking to both of these companies. 

No one should ever have to suffer the way I did being a consumer and natural person, how am i supposed to trust these companies after this? I also want to point out these agencies giving miscellaneous companies access to my personal consumer report with out my express and written consent. Not only did they gain access illegally there wasn't even a permissible purpose for the access as these agencies always tend to point out when speaking with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TX

Complaint narrative:
I called my Wells Fargo XXXX SUPPORT FOR AN UNAUTHORIZED TRANSACTION on my card, but instead of fixing the issue, they caused a much bigger problem They blocked my card. even though i rold them not to, cause i am on business trip far away from home And i dont carry cash with me, and i use my card for evry day needs from food hotel fuel also have many atoupayment setup on this card, now trying to buy some cryptos on card but was declined because it is blocked also i cant get hotel food or anything. Basically i am dead broke for the next XXXX to 10 days until the next card will be mailed home But i am no where near home for the next XXXX. Even though i explained my situation to the XXXX, they dont care if i starve to death or sleep or conduct my every day business. I already missed a good investment opportunities on crypto coins also will be spending many nights out like a homeless with no way to buy food, and many upcoming payments wil also XXXX missed and all that good stuff that comes after!!! 
I explained all this to MY WELLS FARGO BANK XXXX XXXX I SPOKE WITH. NOW I AM LEFT NO CHOICE BUT TO ASK FOR CHARITY FROM OTHERS, EVEN THOUGH I HAVE THOUSANDS OF DOLLARS ON MY ACCOUNT BUT CANT ACCESS OR USE IT, ITS A SHAME ON A BANK TO TREAT THEIR CUSTOMERS THIS WAY AND CAUSING MUCH WORST SITUATIONS. INSTEAD OF FIXING A SIMPLE XXXX NOW I AM FILLING THIS COMPLAIN FOR ALL THIS MISFORTUNE I'M XXXX FORCED TO ENDURE FOR THE NEXT 10 DAYS AWAY FROM MY COMFORT ZONE. 
AND I HELD THIS INSTITUTION RESPONSIBLE FOR XXXX THING THAS HAPPENING TO ME NOW AND ALL REPRICAUTIONS THAT WILL OCCUR IN THE FUTURE. CAUSED BY BLOCKING MY DEBIT CARD.

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 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Noticed today XX/XX/2021, on my credit report. Again, Southwest Credit System has placed a statement status as saying, " {$120.00} balance, Seriously past due/assigned to attorney, collection agency, or credit grantors internal collection department. '' Again, do not know this company. 

SWC needs to speak with the Original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My last two CFPB complaints ( XXXX ) were ignored due to the fact that this company believed someone else was making these complaints outside of me, However on XX/XX/2021 I spoke with a customer representative at Experian to verify that I, XXXX XXXX XXXX am indeed making these complaints. 


On XX/XX/2021 I spoke with a representative on behalf of Experian on an item thats been reported on my credit report incorrectly. He then proceeded to say he will open a new dispute however, I have disputed this item several times and every time you have failed to deliver the validation on this item being reported on my report. I asked the representative how did this company verify this item and was told they verified it by word of mouth with no legible information nor documentation provided. This is unacceptable and illegal. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days since my last dispute so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Envios de Valores La Nacional Corp.
State: NY

Complaint narrative:
On XX/XX/2021 I went to la nacional at XXXX XXXX XXXX and paid XXXX, {$120.00} to be sent to XXXX XXXX in american money, {$6.00} for this service. In XXXX XXXX they gave the person dominican money. This is the second time this fraud is committed. They charge {$6.00} extra for american money to be given in XXXX XXXX and then they give dominican money in XXXX XXXX. This is ludicrous! I want my {$6.00} returned. They refused to refund me my money. La nacional is a rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Regional Acceptance Corporation an affiliate of Truist, has violated bankrutpcy laws by reporting a balance on our credit that was paid through bankruptcy and any other amounts were discharged. Additionally, the lender released the lien due to being paid through the bankruptcy. I am filing suit against Regional Acceptance and Truist ( BB & T )

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 2021-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX, XXXX ; I verified my account in good standing before closing the account is XXXX  Leasing ; I verified my account in good standing after closing the account is XXXX Leasing, I have never been contacted in any way by XXXX Leasing since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from RPM dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. 

So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX  and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.

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 2021-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: SD

Complaint narrative:
I have an ongoing issue with them. Every time, I would renew my XXXX they would put my student loan into a forbearance, which caused it to generate more interest and nothing was applied into principal. I worked very hard on paying my student loan, so at least I was two months ahead of it. Myfedloan made sure that I wasn't ahead on my loan. They kept backdating it and stating I wasn't two months ahead on my loan. Basically, I was left paying more interest than principal for my entire loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this account. The creditor is reporting a past due amount on a charged off account. I have advised the credit reporting agency that they are in violation and they refuse to respond to me or correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I use XXXX to exchange and hold my cryptocurrency. This account is tied to my checking account through Wells Fargo where I can make deposits and withdrawals using an ACH. The XXXX account was compromised by a fraudster. I contacted Wells Fargo 's Online Fraud department to warn them of what had occurred and stop any transactions coming from XXXX. The representative told me a hold had been put in place and ended the call. 2 days later on XX/XX/XXXX {$5000.00} is transferred out of my account into XXXX by the fraudster. I contacted Wells Fargo again on XX/XX/XXXX regarding the hold and was told a hold was never put in place. When seeking resolution from Wells Fargo I was told through a letter that a hold takes 3 days to be put in place. I have requested to speak to a manager several times but none have ever gotten back to me in order to explain why the request for a hold I made on XX/XX/XXXX was never put in place and why I was never read a disclaimer informing me that it would take 3 days for a hold to be put in place but was instead told it had already been done. Any request for review of or copy of the original XX/XX/XXXX phone call has been ignored even after contacting the 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 monetary relief
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/2020

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 2021-11-19 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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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